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

Equifax is preventing me from submitting a dispute regarding the following accounts : Chapter XXXX Bankruptcy and XXXX XXXX. I am attaching supporting documentation to have these accounts reinvestigated. Equifax wrote they verified the account with a 3rd party, XXXX XXXX. I have verified with XXXX XXXX that my file is suppressed " blocked out '' therefore they have not verified with you. I have verified with the court that they do not and can not verify anything with you. Their written response is attached. The opt out letter is attached. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. As it relates to XXXX XXXX, you are only to report 7 years from date of first delinquency. This account was delinquent in XX/XX/XXXX, therefore, this account should have been deleted in XX/XX/XXXX. A statement of account letter is attached which documents date of first delinquency. That is inaccurate reporting on your part and this account needs to be deleted. 

The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully plan on pursuing litigation in this manner to enforce my rights under FCRA. I demand the following accounts be deleted immediately. I look forward to receiving an updated report reflecting the corrections. 
Chapter XXXX Bankruptcy unverified XXXX XXXX inaccurately
Product: Debt collection

I have been trying for three years to dispute a credit card on my credit report. I have filed with XXXX with no results. It is Barclays Bank Delaware for {$460.00}. This is not my account. I am a victim of identity fraud. I have never had a visa or mastercard issued by this company.
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. 

XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, 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 instruction.

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: Debt collection

In XXXX I acquired an unsecured loan from Citibank AKA CBNA Due to unforeseen reasons I was unable to pay on the loan, In XXXX Citibank opted to and wrote off the debt and sent me a XXXX cancellation of debt for the amount of XXXX I reported that year as income and paid taxes on that amount. 
Started early in XXXX. several of us have been asking Citibank to report the account as Written off and zero Balance and for more than 8 months Citi have refused to do so, I have made over XXXX calls each call lasting 20 to 60 minutes each, I been given XXXX different fax # 's to forward information and I never spoke to the same person twice and each person would give me different and wrong information. 

Our most recent request is very simple, that they remove the dispute comment at all XXXX credit reporting agencies, and they are refusing to do so I am at the 12 hour with a mortgage to close on my home and this is my only detail that is holding the closing XXXX guidelines are, that no disputes can be on my credit report, Citibank refusal to first report correctly and at minimum remove the dispute comment is holding us hostage We need immediate action brought against Citibank to do what is right and report to the XXXX credit Bureau the correct information within 24 to 48 hours
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted disputes before and the company has not responded to me. These accounts are fraud and were not opened up by me. I did not obtain a loan through to go to school.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is utilizing an incorrect name I've reported it 3 times to this agency, and has it attached to my credit report. A file a dispute on XXXX it was completed on XX/XX/2022. Notifying that Account # - * The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE and that If an item states " Deleted '', we have removed it from your credit report and taken steps, so it does not reappear. It has never been deleted of report and when I reached out twice, they stated I have to refile a dispute. That the collections agency replaced it on the credit report. I have checked every day since the XXXX we are on the XXXX it has never been removed of the report. I ask to speak to management I was placed on hold and hung up on both times. They are reporting inaccurate information even when we provide written documentation, and they find and confirm that it is inaccurate they continue to report it.
Product: Credit card

Two accounts were falsly opened under my name. ( BARCLAYS BANK/OLD NAVY XXXX XXXX XX/XX/XXXX & ( XXXX ) Opened XX/XX/XXXX. I have since then called OLD NAVY in which they said that no in person account was made and that it must of been an online thing. I've called XXXX and they have started the dispute.
Product: Checking or savings account

On XXXX XXXX 2023, I received a text message saying that the phone number on my account was changed to a different number. I also received an email. 
I tried logging into my Chime account but the app wouldn't let me, neither would the online website. 
I then called Chime and after waiting for about 25mins, I was able to talk to someone about changing the number back to my real phone number and accessing my account. 
When I finally accessed my account, I found out that someone had taking all the money out of my account, and left me with just pennies. They had taken {$2400.00}. They had transferred the {$2200.00} out of my savings account, added it to the money in my checking and then send the money to a name that I had never heard of. 

I asked the representative how this was possible. I made it clear to them that I didn't authorize the charge, I didn't know the person, and I didn't even know how it was possible that the person was able to take all my money in minutes. 

I pointed out to the representative that for as long as I have had my account, I had never sent money to a single person. I used my account to get my direct deposit from my job ( XXXX ) From there, all my funds are distributed to three other external accounts ; XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX. Those are other corporations, not singular people, and it has been that way for as long as I can remember. 

From my experience, distributing the funds as described above usually took about 1 to 2 business days to processs, so I definitely couldn't understand how or why this person was able to take my money in minutes. I asked that since they had the persons Username and information, why couldn't they just freeze the transaction, and they said they had no authority to do that, which left me even more confused. They have the account the money was sent too and they couldn't do anything? not even report the person so the person couldn't keep doing this? 

After being transferred about two times, they opened a case. I am still waiting for my money to be refunded. I am also waiting to understand why it was so easy for someone to access my account and take all my money.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 EQUIFAX 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 XXXX 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 card or prepaid card

XX/XX/XXXX XXXX -- " Bank of America XXXX BankAmericard said they never received my payment of {$88.00} due on XX/XX/XXXX and sent on XX/XX/XXXX. This was just discovered today when I went to pay this months bill. I just called and talked to XXXX in NC she said they never received my check payment. So I was charged {$25.00} late fee and {$3.00} interest. Is anyone watching to see if there is an uptick of late payments to this company? Who knows what happened to my payment BUT " Bank of America '' just made a lot of money off my payment that conveniently never showed up. I might have to look into " BIT COINS '' or other forms of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I initiated submitted a complaint via CFPB to LexisNexis to remove Bankruptcy from their database due unlawful practices according to the 15 usc 1681a- ( e ) and I also provided supporting documents to support my claim. LexisNexis responded back with a response to CFPB with a document attached outlining their response. However, the letter is clearly addressed in my name, BUT it was mailed to UNKNOWN ADDRESS of XXXX XXXX XXXX XXXX, XXXX WI XXXX. I have never lived at this address. All of my supporting documents that were submitted to LexisNexis have my correct address included on my Driver License. This is a violation of my privacy and confidentiality. LexisNexis also mentioned that on this response document mailed out on XX/XX/2023, addressed in my name ( XXXX XXXX ) but mailed to the Unknown address " a resolution letter outlining the results of our reinvestigation and XXXX XXXX 's statutory rights was mailed to her directly for her review ''.
Product: Checking or savings account

I tried to issue an instant payment from my Citi Checking Account online, but the site indicated Access Denied. I called Citis support line for assistance, but the representative told me that instant payment is unavailable. I asked to speak with a manager to file a complaint. The representative then alternated between asking for me to repeat my name and account numbers, waiting in silence, and playing a wait music track. After a 90 minute marathon trying anything and everything to get me to hang up short of doing her job, the representative told me she had filed my complaint on my behalf. When I insisted on speaking to a manager or receiving a web form link to submit a complaint myself, she became silent again and then finally dropped the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Product: Vehicle loan or lease

This is concerning XXXX XXXX, this is not mine it has been reported along with other items sometime ago as Fraud, I attempted multiple times to report this to experian and XXXX, it was also reported to XXXX Police dept which filed a compliant on my behalf,
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX I received a bill by email from Sequium Assets Solutions that stated I owed the amount of {$820.00} when in fact I never signed a contract and I complained on numerous occasions that they continued to bill me and my husband even though neither one of us have a contract with this company and the contract had expired years ago and each and every time I would complain about the double billing sending 2 statements to 2 people for the same account they continued to double bill us and we do not have a contract and are not obligated to pay them any money I do not owe this company for I do not have a contract with them and complained to get the account in my name and they would not do it and attached both of us to one account double billing us as of todays date I am waiting for them to fix this error they would not stop sending XXXX bills for the same account when neither of us is contractually obligated to pay it for the contract expires years ago
Product: Student loan

The balance of my student loan went into collections. The full balance is owed, a payment plan was not ever established, authorized, or setup yet every month they state I have a missed payment. There should not be any " missed '' payment, but simply the full balance that is due.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX XXXX   XXXX XXXX XXXX , XXXX XXXX, XXXXXXXX XXXX XXXXXXXX , XXXX, XXXX, XXXX XXXX XXXX
Product: Debt collection

I am writing to formally dispute a collection account that has been adversely affecting my credit report. Upon reviewing my consumer rights under relevant consumer laws, I have identified several violations committed by the collection agency, which warrant the immediate removal of the reported collection from my credit report. 
Firstly, the collection agency has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this obligation, the collection account has been reported without proper validation, thereby infringing upon my rights as a consumer.

Furthermore, I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with a fair chance to contest the validity of the debt is a clear violation of consumer protection regulations.

Moreover, the collection agency has engaged in deceptive practices, including false and misleading representations, which contravene consumer rights laws. Such behavior is in direct violation of the regulations outlined in many consumer laws. 
Additionally, the collection agency lacks the authority to furnish the account to consumer reporting agencies without providing all necessary disclosures, as mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). Furthermore, as I have not entered into any contractual agreement with the collection agency, they have no legal basis to claim ownership of the debt. 
Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to remedy the violations outlined above. Specifically, I urge the immediate removal of the collection account from my credit report, as it is unjustly impacting my creditworthiness. 
I appreciate your prompt attention to this matter and look forward to a swift resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer credit report and XXXX is reporting the bank account as a charge off with an outstanding balance. There are two faults caused by the bank that have affected me negatively and caused me financial harm. 

1. I closed this account inside the bank several years ago. XXXX actually gave me money back upon closing the account out. Without my knowledge or consent XXXX reopened the bank account and continued to process transactions. I was not notified until I found the debt on my credit report. 

2. After XXXX refused to rectify their wrong doing i eventually paid the outstanding amount althogh I was reluctant to do so. I walked inside of an XXXX branch on XXXX XXXX in XXXX, FL and paid the amount that XXXX stated I owed although XXXX credit the negative balance. XXXX refuses to remove the debt from my credit report. A balance is still showing owed. 

I contacted XXXX by phone and the representatives advised me to contact a third party collection agency to get it removed. I was very confused as I did not pay a third party agency and I was never notified that an third party agency took over the debt. 

I am out of money, my credit is being negatively affected all due to this large company treating me like nothing!
Product: Credit reporting or other personal consumer reports

My account with DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

DEPT OF EDXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am tryuing to give Experian money and want to purchase Experian 's additional services. Before I do, I have questions that are not answered on their site. But Experian doesn't have the ability to have live conversations. I would like someone to call me to answer couple questions before I give them money.
Product: Credit card

I recently moved and notified my credit cards. Nonetheless, when I attempted to use my Chase card in my new neighborhood, it was declined. When I called them to inquire, they sent me a text message. I am XXXX XXXX XXXX, using text messages is difficult for me. I am disgusted that I did everything properly and still had to go thru this hassle
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I opened an Coinbase account and wallet and put over 87000 dollars from my XXXX XXXX checking account. I kept having problems with my account seems like every week I had to call Coinbase and address problems.On Friday XXXX i received a text from Coinbase that my password had been changed. I had not touch my account. I changed my password then.Every week I had problems with my account. Then on XXXX I got a text from Coinbase Fraud that someone was trying to buy 3000 in bitcoin. Then I got a phone call after phone call from this NJ # and I answered it and the person said they were from Coinbase Fraud and someone was trying to buy Bitcoin in my account. They said we are going to send you a code and you tell me what the code is. Then they repeated that. They said they would take care of the problem and that it would take 48 hours to clear up. and they hung up. This was at XXXX pm and noticed the person did not say thank you for being Coinbase customer. So I called coinbase and 47 minutes later the CS rep. said my account was compromised and she would expledite up and lock the account. One day later XXXX at approximately 615 pm i got texts from Coinbase saying I was sending out all these transactions 117 to be exact. I got a text from Coinbase saying these transactions would be delayed because of security issues. They let someone drain my entire account on that day. I filed a complaint on XX/XX/XXXX and I still have not received a answer from them and they keep telling me that are not responsible for hacking of my phone and emails. I called them to lock my account and they did not do it. Negligence. They have no headquarters address and all there CS rep. are not trained in cryptocurrency. They have no accountablility because they all work from home. I had one of the CS rep. ask me how much I had in my account and when I told her she said could confirm that. They have internal theft inside their company and do not even realize it. How do they operate without a fraud insurance policy. They made several Billion dollars last quarter. Now I know why? I am XXXX XXXX and that was 30 % of my retirement and they should held accountable. I have filed a police report at the XXXX Police Department and Detective XXXX XXXX has the copies of deposit to Coinbase and copies of the texts from Coinbase. I can not copy them and can not send them electronicall. Please inform Thank you for your time email XXXX Coinbase still is giving me the run around and case # XXXX and XXXX