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

I received my dispute results from XXXX via email on XX/XX/2023. My initial dispute was on XX/XX/2023. XXXX did not provide their method of verification. Who did you speak with to verify the accounts? What phone number did you use to contact them? What date did you speak with them? What address did you use to contact the companies? Provide the disclosures between me and the companies of me giving them permission to report my account information on my credit report. Reporting my account information without my consent is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I have diligently followed the established procedures for disputing inaccurate information on my credit report by submitting multiple dispute requests, each accompanied by the necessary documentation and evidence supporting the fraudulent nature of the listed items. Regrettably, despite these repeated efforts, the inaccuracies persist, posing a significant threat to my financial integrity and creditworthiness. 

I kindly request the following actions be taken promptly : Conduct an immediate and thorough investigation into the fraudulent items listed on my credit report. 
Provide a comprehensive explanation for the repeated failures to remove the fraudulent items despite multiple disputes. 
Take urgent corrective measures to rectify the inaccuracies and update my credit report accordingly. 
Furnish written confirmation of the resolution, including the expected timeframe for completion. 
Given the continued challenges and the impact on my financial standing, I expect this matter to be resolved within the specified timeframe from the date of this letter. The prolonged presence of these fraudulent items has caused undue stress and financial hardship, and further delays in resolution are unacceptable. 

Failure to address this complaint in a timely and satisfactory manner may necessitate escalation to regulatory authorities, and I may seek legal counsel to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on APEX ASSET. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

I want to use XXXX ( XXXX XXXX XXXX ) to help me keep track of what I owe in taxes for my XXXX. 

I try to connect my account to the service, but Capital One is blocking it. 

I called Capital One and they said they will not allow it to connect. 

This is my information about my account. I would like to connect to this service. Captial One, especially the XXXX business division is a mess and I keep running into roadblocks and terrible customer service and communication.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX, My Coinbase account is temporarily disabled/ locked for 48 hours. I had tried to reset my password but the 48 hours locked still applies to my account. I tried the toll free number but the pre-recorded support is useless. I am unable to contact any live person at Coinbase to resolve my issue. Therefore, I can not access to my funds/ assets while the account is locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Just thinking of the days, weeks, and months that Ive been struggling to make you understand that the items are not mine makes me insane. Really?! Ive been doing this for months now but I got no answer from you there at Experian. I already contacted the bank and they agreed to remove the accounts from my file but here you are continuing to report these fraudulent accounts on my credit file. Dont you feel bothered by what youre doing? You are damaging my credit file for this! Again, I am attaching my FTC report along with the recent dispute letter I sent for you to review and finally consider deleting this damaging information from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/18 I applied based on an offer from Capital One Auto Finance via their electronic application process. I received an approval and the contract to electronically sign and return. I did so immediately. The actual document and email I received stated Congratulations your application has been approved. 

On XX/XX/18 I received a call from a representative with Capital One Auto Finance stating they were not going to fulfill their agreement of the approval because I had a dismissal on a Chapter XXXX. I asked for a supervisor and spoke with a XXXX at XXXX extension XXXX who stated they would not proceed even after I received full confirmation of an approval. 

I have the email and the cover letter and the Loan and Security Agreement to validate my concern and claim. 

This is an unfair practice to have me approved, sign loan and security agreement disclosures and then call me to cancel the agreement. If the shoe was on the other foot I am certain they would say well you agreed and you have to meet the terms ; so should they be compelled to honor their agreement.
Product: Checking or savings account

I have contacted Chase Bank in regards to the excessive overdraft fees and have received no help whatsoever. It is not fair to me, as a consumer to be assessed so many overdraft fees without having appropriate time allotted to bring my account current. As soon as my account even went negative i was assessed a fee, even though i deposited the funds to bring my account out of a negative standing. I have contacted Chase several times and I the representatives did not remove any of the fees placed on my account. With these excessive fees it has caused my account to go further in the negative. I have been assessed 10 insufficient fund fees within the last week which is {$340.00} that i do not have in order to bring my account current. I can pay the items that were being withdrawn from my account, but not the {$340.00} in total fees.
Product: Debt collection

I reached out to DIVERSIFIED CONSULTNTS because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.
Product: Credit reporting or other personal consumer reports

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

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

I have contacted EQUIFAX on numerous occasions by certified mail. It has become increasingly clear that they are being willfully negligent in rectifying my affairs regarding my consumer report. 

Please see attached documents
Product: Student loan

I had the account with Navient, suddenly my account information ( name on the account ) was changed. I realized it when I got the documentation for filing taxes. I called Navient right away and they confirmed their mistake and assure me that it would be corrected before the tax day. As of today the information had not been corrected and now they are requiring a copy of my social security card. I refuse to send a copy of my card, now even more than ever after they made the mistakes of identities and placing me under a higher ID theft risk.
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 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of 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

I purchased furniture from     XXXX   XXXX   t  hrough a company called  XXXX  Now. I 've never been late on this account ever I was having financial hardship. I called the store spoke with the  XXXX  she said if I returned the merchandise I 'll be fine. I took the necessary steps I also asked her was this going to affect my credit she insured me that it would n't. I checked my credit report I was reported late in  XXXX  and  XXXX ? I disputed this item with credit bureaus also sending in the receipt from the company with the date the merchandise was picked up. This merchandise was picked up in the beginning of  XXXX  so how I was late for  XXXX  and   XXXX   and the account was closed in  XXXX ? I 'm asking the bureaus remove this negative information off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received a letter from XXXX indicating they removed a public record of bankruptcy from my consumer credit report. 

On XX/XX/2022 I requested that Experian remove the record of bankruptcy from my consumer report as well, according to 15 USC 1681 ( a ) ( 1 ) ( B ), 15USC 1681 ( a ) ( 4 ), and 15 USC 1681 ( k ) 1. No permissible purpose 2. No proof of who requested the public information 3. No employment purpose On XX/XX/2022, Experian responded that the company that reported the information has certified Experian that the information is accurate. Experian did not reveal who verified the information or how the information was verified. Experian is also reporting public information that is not based on employment purposes and never notified the consumer of the fact that public record information was being reported. The name and address of the person of who the information is reported to has not provided either.
Product: Credit card or prepaid card

I have automatic payments set up with my Capital One Credit Card. I was under the assumption that it worked effortlessly as I have never had a problem in my almost 3 years of auto payments. In XXXX I was docked with a late payment even though I never received a bill or notice of being late. XXXX and XXXX both came out regularly as well. I believe the system to have failed and without notifying me of this failures it reflected on my Credit Report causing my score to drop because of this new found late payment. I once again had no knowledge of this late payment as I had never received any kind of notification or bill showing a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below account does not belong to me. It was open as a result of identity theft. These accounts were open while I was serving overseas in the military. 

Company : XXXX XXXX XXXX XXXX Account opened : XX/XX/y2019 Balance : {$5100.00} Company : XXXX Account number end : XXXX Account opened : XX/XX/2019 Balance : {$40000.00} Company : XXXX Account opened : XX/XX/2019 Balance : {$7400.00} Company : XXXX Account opened : XX/XX/2019 Balance : {$1100.00} Please remove this account from all 3 credit agencies. I have submitted several times FTC reports letters statements and police reports, just to have my request ignored or denied.
Product: Credit reporting or other personal consumer reports

I applied for a credit card from a local credit union. They ran a credit report but I had a credit freeze due to previous ID theft and Fraud related to the ID theft. They told me I had to contact the credit bureau to correct my information. I ran my report and saw that when I recently moved, I forgot to update my phone number. I sent a letter with tracking to the credit bureau requesting they update my phone number. Instead my personal statement got deleted and my credit rating dropped precipitously ( about XXXX points ) between XXXX and XXXX yet nothing else had changed about my credit card payments or anything else. I believe it was related to this inquiry in some shape or form. Furthermore my credit scores vary considerably from one credit bureau to another. My XXXX credit score decreased to XXXX. XXXX XXXX. Experience XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX/Experian/XXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX  XXXX Balance Owed : {$140.00}
Product: Mortgage

We refinanced our loan in the spring of XXXX. Our original loan was with XXXX and was sold to ShellPoint Mortgage Services. Our loan was paid for through XXXX of XXXX with XXXX. My first bill from ShellPoint came on XX/XX/XXXX with a due date of XX/XX/XXXX. I was told that I would not have a XXXX payment when I called initially on the purchase of the loan, but still received this bill. We paid this bill on XX/XX/XXXX and then paid again on XX/XX/XXXX for an additional 2 months of loans. We also paid in XXXX. I have talked now to 4 different representatives of this company and I get a different story everytime I speak with them. They keep telling me that I am a month behind in payments, but I have paid 4 monthly amounts and received 4 bills, so there is no possible way that I am behind. I thought I made some progress with the last person that I spoke with, but she called me the next day to tell me that I owed for XXXX because they didnt get paid by XXXX. I just need to talk with someone that is competent so that we can get this accounting system error resolved. When the person called me back, I requested to speak with her supervisor in which she transfered me a a voice mail that was not set up and I could not reach anyone live.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and remove them immediately in my report : XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of 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 XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting ( XXXX XXXX ) Account Number ( # XXXX ) has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.
Product: Credit card or prepaid card

We claimed bankruptcy in XX/XX/XXXX. In XX/XX/XXXX, we applied for and were approved for a Synchrony Home card of {$3500.00} to be used for home repair. We used the card a couple of times to purchase flooring on a zero interest plan. Every payment was made on time or early and the account was fully paid in XX/XX/XXXX. In early XX/XX/XXXX, I received an email that we were issued new cards to be activated. I received the cards in late XX/XX/XXXXand when I called to activate them, I was told that Synchrony closed my account. I have read my cardmember agreement and understand that my card can be closed at any time. Considering that I have a perfect credit history with Synchrony and in general ( 0 lates in the last 4 years on anything ) I asked the representative if I could have my account reviewed for reinstatement. She connected me to a supervisor that said she would submit a complaint to the complaint department but could help me no further and to follow up with them. On XX/XX/XXXX, I called again and asked to be transferred to the complaint department. The representative instead transferred me to a supervisor who would not transfer me to the complaint department. I explained the situation again, and the supervisor would not transfer me and simply stated that they reserve the right to close my account for any reason at any time. It appears that Synchrony does not want to do business with me for some unknown reason, and I grudgingly accept that. However, taking the human element out of account review and closing my account has significantly damaged my credit score that I have been working so hard to repair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, this is in reference to my credit report. Currently my credit report shows 1 collection for Portfolio Recovery Associates, LLC ( XXXX XXXX ) account # XXXX in the amount of {$740.00}. This amount was paid in full in XX/XX/2018. Request that to company notify the credit bureau of the payment.
Product: Debt collection

Chase called me at  XXXX  about a payment that was made. The payment was {$150.00}, but {$150.00} was due. They called me regarding {$3.00}, but the due date on the payment was the  XXXX , but it is the  XXXX . Both of my accounts are in good standing, but yet there was a need to call me at  XXXX .   They took an auto pay for the {$3.00}, and marked our account to not call before  XXXX  (  XXXX  California time ). They claimed they have no information for making the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian is currently reporting a medical bill in collections that is incorrect. According to XXXX they are reporting two ( 2 ) Medical Bills from XXXX XXXX one for {$470.00} and one for {$650.00}. This information is incorrect Experian is also reporting a medical bill from XXXX XXXX for {$650.00} that was paid and should be removed.