23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX sent claim for XXXX on XXXX XXXX to XXXX, TN received it XXXX, XXXX processed it XX/XX/2021 for {$680.00} creditor turned medical account over to XXXX XXXX of TN on XXXX XXXX not even 180 days after first bill and they reported it to credit reporting agencies in which I disputed it with Equifax showing the companys in violation by law and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV funding is reporting a debt I do not owe. I paid the original creditor, XXXX XXXX XXXX, and have no idea why they are adding a new collection on my credit file AFTER it was already paid, they are also in violation of my 30 day right to dispute. This debt is paid and should not be on my credit.
Product: Money transfer, virtual currency, or money service

I called the XXXX number Coinbase posted on XXXX and did everything they asked me to do and they have a criminal working for them and thus were able to steal my XXXX balance. They did not send you the emails I sent them so you could make a good decision. 

You closed my complaint and I did not want it closed until they admitted that their employee enabled my funds to be stolen. I want a full XXXX refund now.
Product: Credit reporting or other personal consumer reports

I recently reviewed the copy of my credit reports and I noticed some inaccurate personal information that are not mine. 

I have listed the inaccurate in PDF and sent it to the Bureaus. Please see the attached file on this complaint
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage fraud is multi-billion dollar criminal activities that creates significant negative financial bearing on homeowners, devastates family, hurts communities, can destroy a business and adds a great impact on the national economy. 
Federal, state and local law enforcement officers are on the front lines in the battle to protect their communities from fraud and scams. They identify, investigate and prosecute. 
What is Mortgage Fraud? ( e.g., purchase, refinance, modification ) Act of inducing a loan though means which involve either implied or expressed deceit, i.e. Material misstatement, misrepresentation, or omission of information relied upon by an underwriter or lender to fund, purchase, or insure a loan. It Involves the entire process of obtaining a residential mortgage, including solicitation, application, origination, negotiation of terms, third-party provider services, underwriting, signing and closing, funding of the loan and mortgage loan purchase from a XXXX XXXX XXXX I purchased my home with XXXX Mortgage XXXX XXXX have now found out that multiple violations occurred from the inception of our loan. In a third audit it was disclosed that multiple variance of TILA has been violated and that MERS was never an entity involved with the loan also that my VA XXXX XXXX was not placed into the XXXX XXXX XXXX XXXX until XXXX. There were only XXXX assignments out of the XXXX banks involved .We are facing another Foreclosure on XX/XX/XXXX and we have not received any assignments since the assignment of BOFA XXXX XXXX XXXX XXXX XXXX have had XXXX audits done by XXXX different entities and they each declare FRAUDULENT ACTIVITY. The court records have disclosed that XXXX Mortgage XXXX is the now the lender yet we have not received any notification.We have sent over XXXX request from CFPB alone and there was no satisfaction because it feels as if the information was just passed forward .Therefore I will keep pushing forward until Someone READS my concerns from my AUDITS
Product: Credit card or prepaid card

I contacted American Express via chat in XX/XX/XXXX to close my account ending in XXXX. The agent refused to close my account and advised me to send an email to the company. I closed all my previous credit cards with American Express via chat since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX Account # XXXX with 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 an account without my written instructions.
Product: Mortgage

I pay my mortgage each month through my banks bill pay service. My payments are made on time, consistently, every month by the first or second although I have a grace period that allows me to pay my bill by the XXXX without a late penalty. Despite this, I have been charged a late fee for the second time in less than six months. Since the previous time when this happened, I arranged to have my bill paid two to three days early. So, for instance, for the payment due XX/XX/2023, I set up bill pay to make the payment on XX/XX/2023. Three days early! So, when I received a bill for XX/XX/2023 showing my mortgage payment for XX/XX/XXXX had not been applied as of the statement date, XX/XX/2023 ( twenty-one days or three weeks after my mortgage payment had been posted by my bank ) I was not pleased. Again, this is the second time in less than six months. I have made my XX/XX/2023 payment via bill pay, which was set up to make the payment on XX/XX/2023 ( two days early ). 
I use my banks bill pay service for all my bills because it is convenient and dependable. I would like an explanation as to why my payments are not being applied in a timely fashion. I would also like the late charges to be reversed and assurances that I wont have to keep wondering each time I receive a bill whether I am going to be inaccurately charged a late fee, which negatively affects my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian : I had initially disputed numerous times with Experian Credit Bureau and you are still reporting the incorrect information My last dispute containing this incorrect info was sent to you on XX/XX/2011 : Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete this incorrect and unverifiable address from my credit profile. 

I am giving you NEW info, so you are required by law to properly verified. 

Based on the FCRA and my counsels review of the FCRA, you are supposed to conduct a reasonable investigation on items presented to you by consumers. 

I am requesting your method of verification with my dispute as required by the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) 6. B. ( iii ). 

Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had issues with all 3 credit reporting companies since they moved to XXXX and lie to there XXXX to say no and give the mm excuses in paper for every complaint you have. I will talk about XXXX CREDIT REPIRTING AGENCIES FIRST. 

1. I HAD MY FILE ON LOCK FOR YEARS AND ALL OF A SUDDEN 3 INQUIREYS COME UP BLOCKED BUT 4 ONE FROM XXXX XXXX COMES IN AND LEYSIT THROUGH. THESE FOREIGN WORKERS HAVE NO UDEA ABOUT PROCESS AND END UP HANFMGING PHONE UP XXXX YOU TELL THEM THEY ARE BREAKUNG XXXX XXXX XXXX XXXX XXXX. 
2. XXXX SAYS THEY DIDNT DO IT AND XXXX SAYS XXXX SAYS I NEED THE CEO TO WRITE LETTER SAYING I DIDNT MAKE HARD INQUIREY. LIKE A CEO IS GOUNG TO WRITE LETTER SAYING ABOUT HARD INQUIREY. THAT IS JUST TRIFFLING. 
3. THEN I FIND OUT XXXX HAS BEEN CHARGING ME 3 TIMES A MONTG FOR A YEAR FOR CREDIT SERVICES TO SOMEBODY THAT HAD NO RIGHT USING MY CARD UNDER HER NAME WHICH HOW DID SHE DO. I GAVE NOTHING IN WRITING GIVING MY NANY ANY USE OF MY XXXX XXXX CARD. WHAT IS HAPPENING TO OUR CREDIT AGENCIES. THIS IS JUST SO ILLEGAL I CANT BELIEVE OUR GOVERNMENT MUST BET taking bribes to let them know they can do ir charge what they want. I dod everything I could including police repirt but that doesn't help anymore. 

XXXX XXXX never told me I had card nit unde my name or I was charged iver XXXX for year. So all these companies out turning on the people that keep them gone. This is the down XXXX XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX : # XXXX , XXXX XXXX XXXX : # XXXX , XXXX : # 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 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 or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I mailed a public records investigation request to LexisNexis. Approximately 37 days I called to request the status of the investigation, at that time I spoke with " XXXX '' ID # XXXX who said he would search for my letter and call me back later that afternoon which he did. He indicated that my request was still being investigated. At the time of that call, LexisNexis was in violation of the 30 day FTC rule. Yesterday I received a response dated XXXX XXXX, XXXX, indicating that LexisNexis " verified '' the public record. Strangely enough, my wife, myself, and another friend submitted letters at the same time. My wife who was party to the SAME public record as myself, according to LexisNexis the record was deleted ( See enclosed letter ). Another friend of ours also had the record deleted because LexisNexis could n't verify it within the FTC guidelines ( See enclosed letter ). My investigation was certainly not within stated guidelines. Additionally, in the letter sent to me from LexisNexis ( See enclosed letter ), the document shows NO BANKRUPTCY or any other public record. XXXX was unable to verify this record so I would very much like to have the method and who of this verification, or a letter to reflect what their records actually indicate which is no public record.. Please investigate this to resolution ...
Product: Debt collection

The accounts where opened not by me. Ive tried disputing them with XXXX XXXX and that didnt work. Company claims it was accurate when it wasnt. I would like to see a copy of the id that was used to open these accounts
Product: Checking or savings account

TRANSFER BY AMEX SAVINGS ACC TO XXXX XXXX XXXX XXXX  ON XXXX WAS NOT RECEIVED IN THE AMOUNT OF {$300.00}!! - AMEX TRACE NR XXXX!! SEE ATTACHMENT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inquiries that were not made by me to TransUnion and those were, XXXX XXXX and XXXX XXXX XXXX XXXX. I have disputed inquiries that were not made by me to XXXX and that one was, XXXX XXXX XXXX XXXX and nothing was deleted or investigated. 

I have settled credit card accounts that were agreed with deletion of accounts once payment was made and the creditors have not fulfilled their agreement. 
XXXX XXXX  XXXX XXXX accounts with TransUnion and one account with XXXX and XXXX XXXX XXXX XXXX XXXX account with TransUnion XXXX XXXX account with XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following accounts from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : I received a copy of my Equifax credit report, and I noticed some late payments on my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX BANK XXXX, XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 U.S.C. 1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include- ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report of ALL listed accounts this agency is in violation of 15 U.S.C. 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15 U.S.C. 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 U.S.C. 1681 ( n ) Best Regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent a letter out XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I want the CFPB to publish this description on consumerfinance.gov so that others can
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items of information, other than records of convictions of crimes with antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person SHALL NOT furnish ANY information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts, inaccurate address and inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts, inaccurate address and inquiries : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX , MI XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX, XXXX XXXX Balance : {$0.00}, XXXXXXXX XXXX  XXXX Balance : {$10000.00}, XXXXXXXX XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I filed a complaint against AD ASTRA RECOVERY SERVICE with the consumer financial protection bureau. I was told from a representative that if I did not authorize this account from XXXX XXXX that I need to file a FTC Identity report. So, below I have attach the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. Specifically, I am disputing the following unauthorized inquiries and inaccurate account information : Unauthorized Inquiries XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing any of these credit pulls and therefore demand that they be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ) Section 609. 

The FCRA requires that credit bureaus and data furnishers must investigate any dispute raised by a consumer within 30 days and report back to the consumer with the results of their investigation. Therefore, I request that you conduct a thorough investigation and remove these unauthorized inquiries from my credit report as soon as possible. 

Inaccurate Account Information : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX - Account Number : XXXX I never had any business relationship with any of the above mentioned companies and there is no way these accounts belong to me. Therefore, I request that you investigate and delete these unknown accounts from my credit report right away under FCRA Section 611. 

Under FCRA Section 611, I have the right to request that you conduct a reinvestigation of the inaccurate information on my credit report. Therefore, I urge you to investigate these matters as soon as possible and take the necessary steps to remove these negative items from my credit report, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2023, I applied online for a line of credit. Cardinal Financial immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.