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

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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 reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, Transunion ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX, Transunion ), Bankruptcy chapter XXXX, Reference # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX   XXXX XXXX, Account # XXXX ( XXXX, XXXX, Transunion ), XXXX   XXXX, Account # XXXX ( XXXX, XXXX  ), XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX ), XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX, Transunion ), XXXX XXXX  IL, Account # XXXX { Transunion ), XXXX XXXX, Account # XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX, Account # XXXX ( XXXX, XXXX, Transunion ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) Dont have any idea of this not looking for a car In accordance with the Fair Credit Reporting act XXXX  Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I opened a checking account with Golden One Credit Union on XX/XX/XXXX. I funded it with {$100.00} then on XX/XX/XXXX I deposited a cashier 's check for {$4000.00}. I waited and waited but never did receive my bank card. So, on XX/XX/XXXX, I called Golden One and they told me that they had sent out the card already. Then they told me that it had already been activated and used, all {$4100.00} had been withdrawn/spent. I filed a police report and filled out Golden One 's fraud paperwork. Golden One gave me a temporary credit, then they reversed themselves and said that I owed them {$4100.00}. They then sent me to a collections company called The XXXX XXXX XXXX. I sent them a copy of the police report. They then sent me a letter on XX/XX/XXXX stating : " Based on the information that you have provided, the original creditor and our company do not consider your dispute valid and therefore the collection process will continue ''.
Product: Debt collection

I was a co signer to bail a friend out of jail i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit
Product: Credit reporting or other personal consumer reports

FCRA 605B requires that any inaccurate accounts be removed from my credit report. Please check the documents because some accounts listed have wrong reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX found me in 6 data breaches by monitoring my email XXXX. the 6 data breaches are : XXXX  Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, Not Disclosed Reported XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX. I am disputing all of the information due to be incomplete and inaccurate.
Product: Mortgage

Spoke to XXXX Customer Service PNC Bank XXXX, she transferred to XXXX in the Loss Mitigation account was handled by XXXX ; she was not available. She advised I should call XXXX & Ext. XXXX. Transferred to the foreclosure. 
dept. spoke to XXXX XXXX stated they're not working on mortgage assistance application because of the term 's limits. After several denials they are no longer eligible for a modification according to the Investor rules. The only option is a short sale or to bring the debt current. Spoke with customer service PNC Customer service, XXXX XXXX she told me to resubmit the mortgage assistance request with financials. Resubmitted request XXXX for mortgage help. Was told there is still a foreclosure sale date set for XXXX. See timeline for PNC loss mitigation dept unwilling to help me save my house from foreclosure.
Product: Credit card

JP Morgan Chase had shown me to be pre-approved for several of their credit cards. After acting on XXXX of these pre-approvals, I was denied due to having opened too many new credit cards. This practice of pre-approving me for XXXX of their cards, and then denying me for the card when I apply is deceptive and causes my credit score to fall.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has imported loans, credit cards, mortgages, auto Loans, student loans that are not mine. I have been unable to make an upcoming Home purchase, due to the inaccuracies of this credit bureau. Equifax recently was found guilty of having inaccurate information on millions of consumer reports, that prevented people from other wise being approved for loans. 

I have spoken to them several times, and they always say that a supervisor will call me and give me a confirmation code, but no one ever follows up. I am completely out of options on how to resolve this. 

I want my credit report to show accurate reporting, as they are currently breaking several laws of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

I am listing the accounts that are marked inaccurate : *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 was working one day on XX/XX/2018 closing shift and got a notification with a lot of inquire I did not apply for I called and asked the representative to remove them off my credit report and customer service was rude and wouldn't take care of it
Product: Credit reporting or other personal consumer reports

Was notified of fraud by my bank 's credit monitoring service ( NOT from the credit card that had the fraud ) that there was a address change. I was also not notified by ANY of the credit reporting agencies... If I didn't have the credit monitoring by my bank I might not have caught this fraud in time to cancel the card and update my account before damage was done. 

I looked up my credit report saw the fraud was on a specific card, I contacted the card. They were able to change my information back to my actual/real information and cancel the new card the fraud requested and are supposed to send me a new card since the fraud cancelled my card. 

The fraud were able to change my address and email address, so when the confirmation about the address change was sent, it went to the fraud email address ... bypassing any secondary security measures .... This makes no sense! 

The fraud address is showing up in my XXXX credit report account, it is not ( yet? ) showing on XXXX, I still have to contact XXXX as I wasn't able to access my account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a hospital bill that was late and agreed to pay a reduced amount to settle the balance back in XX/XX/2020 ( I have proof in the form of agreement letter ) I made this agreement with Consumer Collection Management. The file was then sent back to the dreditor. For what ever reason the creditor messed up and sent the file to CACI who posted a collection on my credit report which tanked my credit score XXXX points from very good to fair. I went to the creditor and showed them proof that the debt was paid and they apologized and immediately called CACI to inform them the debt has previously paid and it was a mistake and to stop collection and remove from my credit reports. I have since called CACI multiple times and told a XXXX XXXX is handling this and he is on the phone and will call me right back which never happens. I have no other option but to file this complaint.
Product: Credit card

I was charged interest XXXX $ in my XXXX, 2024 statement due to not making payment of the XXXX bill, but this late payment was because I never received any statement notification in my email since I received the card and started to used it in XXXX, although I'd subscribed to electronic statement from the very beginning. 

I got to know I didn't pay the XXXX bill only after I received physical mails of the XXXX statement and a Late Notice. I payed off all the statement amount once I got the mails. 

I reached out to FirstTech for the email notification issue and turned out there was some issue in FirstTech system because later after reporting the issue I was able to receive the email notification for my XXXX statement. I requested FirstTech to refund my interest charge because the late payment was all because I didn't receive any email notification for my XXXX bill. FirstTech refused this and insisted I can always check the statements online. How am I supposed to check the online system regularly to find out whether there is a new statement generated and how much I owe? That would totally defeat the purpose of the notification setting.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate accounts and information on my consumer in which I've previously sent them dispute letters to investigate these accounts. They responded that they are verified and accurate but never provided any documentation of proof. The accounts listed in my dispute never belonged to me nor do I have knowledge of who they are asking to collect debt. Ive reached out to the creditor asking them to verify this debt, which they couldnt. How can I owe them a debt if there was no agreement set in place? I understand that it is Equifax 's duty to do whats fair and equitable for the consumer and it isnt fair that they failed to properly investigate these accounts. Anything thats inaccurate or not verifiable must be removed from my consumer report immediately. Included in my complaint is a new dispute letter in which I ask Equifax to thoroughly investigate these accounts and remove anything thats inaccurate or Non verifiable. 

Violations committed by Equifax : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter to XXXX XXXX requesting that they remove inaccurate bankruptcy information that is being reported on my credit report. 

They responded that the information was verified and that it would not be removed. 

I sent a follow-up letter on XX/XX/year> requesting for the second time that they remove this information. 

XXXX, stated that this information would remain and they will not investigate any further regarding this issue.
Product: Checking or savings account

Ally closed my savings account on XX/XX/XXXX, with no notification. I went to transfer/withdraw my funds on XX/XX/XXXX, and my account was listed as closed. I called Ally, and the customer service rep didn't know why they closed it. She advised they mailed me a letter in the beginning of XXXX ... still don't have it, it's now XX/XX/XXXX. 

I contacted customer service again today, looking for my funds. They advised they posted a notification on their website about closing my account. I only use the mobile app, which they should know from their security logs. The rep walked me through accessing on the mobile app, and guess what? No notifications.. " oh that's odd, sometimes we have problems with the mobile app '' I was never notified, never communicated with, never told Ally would close my account. 

Further, I not only have missing funds but I have two direct deposits going in this week. Ally refuses to help in anyway. The agent tonight, XXXX from Arizona, confirmed that Ally closed my savings account as I used my savings account too much. Ally is attempting to use Regulation D, however, regulation D doesn't specifically say my account has to be closed. It could have been converted to a different account type, that option would have been much more customer centric. 

I've called into ally many times over the past 2 months ... not once did anyone ever notify me that I was in jeopardy of having my account closed due to using XXXX to send money to a XXXX woman, nor did they tell me I use my savings account too often. 

Also, XXXX from Arizona let me know about the systems limitations at Ally and what she told me does not match the resiliency information filed with the Fed.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Regarding Coinbases Delay in Processing Fund Transfers Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Coinbase, a U.S.-based cryptocurrency exchange. On XX/XX/year>, at XXXX AM, I attempted to move funds off their platform, but as of XXXX AM on the same day, the funds have yet to arrive in my account. 

After researching this issue, I discovered reports on the XXXX platform indicating that this has been a persistent problem since XX/XX/year>. Coinbase appears to have done nothing to address these delays. They continue to accept and process orders, despite knowing about the ongoing issues, without providing customers any means to cancel or decline orders that take longer than expected. 

This lack of accountability is deeply concerning. By holding customer funds for extended periods, Coinbase is causing financial harm, as customers, including myself, are unable to access our funds during critical market movements, resulting in significant potential losses. 

It is my belief that this practice should be illegal. XXXX customers should be protected from companies withholding funds without justification, especially when it impacts their ability to trade or secure profits. 

I kindly ask the CFPB to investigate XXXX handling of fund transfers and to determine whether they are in compliance with consumer protection laws. Furthermore, I believe stronger regulations should be in place to prevent cryptocurrency exchanges from engaging in practices that harm consumers. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was reviewing my credit reports on XXXX, Transunion and XXXX I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.
Product: Bank account or service

Rush card sent text messages telling all customers to withdraw what ever cash they needed from there account on Sunday because they where upgrading the system and it would be down Monday from XXXX-XXXX now its. Wed and everyone cash is tied up no balance shown and even if it does you ca n't spend it
Product: Credit reporting, credit repair services, or other personal consumer reports

reason- I disputed inaccurate unverified items reporting on my Equifax report XX/XX/2019. Equifax claims to have verified but they have not furnished the requested documentation used to support their claim. Therefore Equifax is continuing to report false information on my file. They need to remove these unverified inaccurate items immediately : XXXX XXXX XXXX XXXX*** pay status is inaccurate. delete immediately XXXX XXXX XXXX XXXX*** XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX XXXX XXXX   XXXX***pay status is inaccurate. delete immediately XXXX   XXXX***pay status is inaccurate. delete immediately XXXX XXXX***pay  status is inaccurate. delete immediately XXXX XXXX XXXX***pay status is inaccurate. delete immediately XXXX   XXXX****pay status is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX   XXXX***type of account is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX***pay status is inaccurate. delete immediately XXXX XXXX***type of account is inaccurate. delete immediately XXXX XXXX 7788***pay status is inaccurate. delete immediately XXXX XXXX***type of account is inaccurate. delete immediately XXXX XXXX***account type is inaccurate. delete immediately XXXX XXXX XXXX***type of  account is inaccurate. delete immediately XXXX XXXX XXXX-inaccurate court name. delete immediately XXXX XXXX XXXX***inaccurate pay status. delete immediately XXXX XXXX XXXX***inaccurate pay status. delete immediately
Product: Student loan

I was currently on a payment plan and it stopped. I have asked to renew it via e-mail and tried calling the call center, but no one is answering. I have a video when I tried to call during there specified times, but no answer. E-Mail 's going back and forth to call the call center but still no answer from the call center.
Product: Debt collection

I pulled my credit and noticed that there were 4 different accounts that I'm not aware of. My accounts were hacked and my information was used to open these accounts. I have been trying to dispute for a while now and now its on my credit. This is hindering me from moving forward in life and decreased my credit
Product: Debt collection

Resurgent, a debt collection company on behalf of LVNV Funding on behalf of XXXX XXXX, as of today XX/XX/23, is threatening to turn my account over to an attorney to sue me. Although the debt isn't 'very old " I didn't have another option to select for threats. I know that I owe the {$1200.00} for the XXXX  XXXX credit card I had a few years back, so I am not disputing that information, however as a consumer I do know my rights and I do know what is considered illegal practices by a debt collection company and threatening to hire an attorney to sue is illegal. So, with that being said I am reporting this company to the CFPB for review. Additionally, they have only reached out via e-mail, I have yet to receive any paper documentation or phone calls from the company. If they have my email, they have my address and my phone number, I have had the same information for over 10 years.
Product: Debt collection

About 2 years ago I decided to leave XXXX because they kept charging me for phones, tablets, and other devices that I did not have. When I brought this to their attention they continued to ignore me and when I did get a live representative they would tell me I had no choice and that I had to pay even if I was never given a phone they were charging me for. 

After going through this and my bill continuously being incorrect I finally got to the point that I decided I could not take it anymore as it was causing me stress and I do in fact have XXXX  and XXXX XXXX XXXX. 

When I tried to cancel they would apologize profusely and start making me offers in order for me not to leave their company and I ended up staying longer but when they continued to charge me erroneous fees I finally could not take it and decided to cancel and I ended up going to XXXX XXXX XXXX. 

When I left I paid the amount I owed and at that point, I did not hear from them for about 2 years. 

However, I recently received a bill out of nowhere appear on my credit report for {$3000.00} from a collection agency called Enhanced Recovery as of XX/XX/2021. 

Not only did I get this applied to my credit report I am now receiving threatening phone calls telling me that if I do not pay they will take me to court and even after expaining to them that I do not owe they are very rude and keep calling ane refuse to take this erroneous account off of my credit which has dropped y score dramatically. 

Please review this as after exploring this company and XXXX I read many reports of them doing this to others with the exact same story but I'm sure once they realize they can't take advantage of me I am hoping they will remove it from my credit report and if not I will seek legal advice as I refuse to pay for a bill I do not owe.
Product: Student loan

I have spoken with U.S Department of Education, XXXX XXXX XXXX and Nelnet in regards to my student loans reporting incorrectly on my credit report. I have contacted each agency over 20 times and have gotten nowhere. Each representative has instructed me to contact an out source company so that I can pay to get student loans that " were not '' a collection item out of collections. My student loans were in deferment as a result of continuing my education. I was told by XXXX a supervisor at the U.S Department of Education and was told that I had to consolidate my student loans for the error on my credit report to be corrected. I was told that I had to wait until the new consolidated loans to report and to contact them so that the collection reported loans can be removed from my report. The accounts have since reported and these collection still have not been removed from my credit reports. This has caused me a major hardship, because not only am I a victim of identity I am a single mother of XXXX and homeless as a result of COVID.
Product: Credit reporting or other personal consumer reports

MY NAME : XXXX XXXX XXXX. 
NOT : XXXX OR XXXX XXXX. 
I AM A VICTIM OF IDENTITY THEFT AND FRAUD BY TOYOTA FINANCIAL CORP ET AL ( NO CONTRACT ASSIGNMENT ) AND RIGHT TOYOTA. 
{$1600.00} WAS STOLEN FROM ME. 
ILLEGAL NAMES ON CONTRACT AND CONTRACT NOT ENFORCEABLE AND ALL ARE FRAUDS. 
DELETE OFF ALL MY CREDIT REPORTS FCRA 605B.