23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

1-EXPERIAN refuses to investigate ACCOUNT XXXX, XXXX ( proof attatched ) 2-account does not display a correct DOFD, ( date of first delinquency ) 3-account does not contain fall-off date, experian reports the date assigned to collector, as a result experian has re-aged account 4 experian has included their statement that account is reporting according to FCRA when on the face of the record that statement is proven false. 
5-account was paid off XXXX/XXXX/16 for an amount in excess of collection amount XXXX ; in CALIFORNIA it is illegal to charge any collection fee that is undisclosed in original contract ... .violates debt collection law. 
6 account history shows in collection in XXXX 2016 when was paid XXXX XXXX 2016. 
7 according to fcra creditor was required to send dofd within 90 days of reporting not years later XXXX amount and date are not shown on report ( not reported ) 9-experian no longer has 30 days to investigate or remedy since they have verified falsely and conclude the specific dofd investigation. 
10-applicable fcra law is attatched here regarding dofd violations by experian
Product: Student loan

I was talked into obtaining a private student loan from XXXX by a school program for pilots that promised to teach me how to fly. The school fell through on their promise and I was terminated with no previous warning. I contacted XXXX at the time to see if they could help me and all they did was put me on forbearance and after years on forbearance they have started threatening phone calls and harassing both my cosigner and myself. I later found out that the school I was with obtained the loan on my behalf by using their Part XXXX designation when I was not a Part XXXX student I was actually a Part XXXX student which is not allowed to obtain student loans. Now they call on a daily basis multiple times a day and I have tried to arrange for payment but they want me to pay an outrageous amount of money per month that I nor my cosigner can afford. I do not know what else to do and have ran out of ideas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. On XX/XX/2021, I sent a letter with respect to incorrect and obscure things on my credit report. Right up 'til today, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to examine these things inside 30 days gives motivation to promptly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased speedily. I request that these records be erased quickly or I will petition for suit because of the pressure you have caused me. My data was likewise affected by the Equifax information break and may have gotten under the control of some unacceptable individual.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have an account on my file from XXXX that needs to be removed from my credit file. 
In accordance to the FCRA and the FDCPA the information you are to provide on my file is supposed to be correct, but you have information such as the balance and so forth that is inconsistent and needs to be removed immediately. 
This notation is in regards to XXXX and Transunion.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. As a recent victim of identity theft due to a data breach, these accounts and inquiries are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that such inaccurate or fraudulent information be removed from my credit file.

Account to be blocked and deleted : XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$280.00} Inquiries to be blocked and deleted : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX 
Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECKED MY CREDIT REPORT AND SAW ACCOUNTS REPORTING THAT I DO NOT RECOGNIZE
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a XXXX XXXX on my Equifax credit file without my authorization, they could n't help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated before about my identity theft that took place in XX/XX/XXXX. I was awaiting on validations on original handwritten signatures and a copy of contracts on 8 creditor accounts appearing on Equifax and XXXX  credit reports. Since the previous dispute found on complaint reference # XXXX to XXXX  and on complaint reference # XXXX to XXXX  XXXX XXXX XXXX- ( Act. # XXXX ) was the only creditor able to validate themselves with my original signature and original contract information. 

As a result of original dispute, XXXX, rightfully, according to my legal rights through section 609 of the Fair Credit Reporting Act deleted these 7 accounts from Its credit reporting because they were not able to produce the original handwritten signature or/and the original contract needed. 
These are the accounts they deleted as being non-valid and possible fraud : XXXX XXXX XXXX . XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX. 

Account below should be already deleted since no original signature and original contract has been shown for : XXXX XXXX ... Act. # XXXX Since the original dispute I needed an original hand-written signature and the original contract within 30 days of the time the dispute was made according to my rights shown in section 609 of the Fair Credit Reporting Act. 
I already asked, since XX/XX/XXXX that you send me copy of my authentic signature and the original account contract for these account ( circled in attached credit reports ) : Since an original signature and original contract were not able to be shown within the time frame given there is a breach with the legal code of section 609 of Fair Credit Reporting Act. 
I'd request both EQUIFAX and XXXX  to follow in agreement with XXXX  and delete these creditor accounts from their reports as well. Right now your reports are in discrepancy with how XXXX  is reporting with 7 of these 8 creditors.
Product: Credit reporting

My daughter XXXX insurance is with her dad ( XXXX ) on the day of her office visit she was brought in for a wellness check. While in the process of seeing the doctor she was tested for strap and tested positive so the visit was coded different as a result her insurance covered it and I have paid the account and have been reimbursed by the insurance company so I would like for it to be removed from my credit report. I have contacted XXXX which is the collections company reporting on my XXXX and they have failed to remove this account that was reported in error
Product: Debt collection

I requested validation of the alleged debt. I received a letter dated  XXXX   XXXX ,  2016.  The first paragraph stated, We are in receipt of your letter of dispute and request for verification pursuant to Fair Debt Collection Practices Act. Regarding your demand for verification including original signed contracts, copies of state licenses, and our agreement with original creditor listed on this account, etc., THERE IS NO BASIS IN LAW TO SUBSTANTIATE YOUR RIGHT TO SUCH INFORMATION.   It is evident tha t Medical Data Systems do n ot have proper documentation to collect this invalid debt. I have the right to request documentation with my physical signature ; as identity theft is at an all time high. Ive sent a complaint to BBB as well as Im in distress with the tactics of this company and how theyre destroying my credit worthiness. Feel free to respond to this complaint wit h HIPPA RELEASE, Medical  records and/or documents signed by me. If f Medical Data Systems h ave a right to collect, then they have a duty to produce legitimate validation until I receive documentation requested ; m y HIPPA rights  have been violated!!!
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Student loan

When representative came my home to explain the manner in which the services work and what the process was. I was never told that I had only 5 days to cancel the agreement on the loan agreement we made. I found out soon after that this college program was a scam, and that they received kickbacks for the loans from the agreements and the loans they made people sign under false information. When looking further into the details, there was several class action suits filed against this company and the college. Upon learning that i had had only 5 days to cancel, and being out of that time frame a month in, I decided to keep paying due to the lack of knowledge of the suits being created against them. The company that created the loan on behalf of the college was given under false pretenses, and gave no other borrower time to figure that out and cancel the loan they made us sign up for. I would like to be removed from this responsibility, under the premise of being given false information and never give the proper time frame on which to be able to cancel the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - 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 OF MO ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXL ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX OF ; XXXX  ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX I ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies on my credit report that I believe are erroneous and negatively impacting my credit score. These inaccuracies involve the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Acceptance Corp XXXX XXXX XXXX XXXX XXXX  : 1. My identity was breached, and I was notified of this breach through XXXX XXXX. I believe this breach may have resulted in unauthorized or incorrect reporting on my credit file.

2. I have identified inaccurate information linked to the above companies on my credit reports from XXXX, XXXX, and XXXX. 
3. Despite attempting to resolve these inaccuracies by contacting the credit bureaus directly, the errors remain unresolved. 

Actions Taken : I contacted the credit bureaus to dispute the inaccurate items, but their responses have been inadequate. 
I also reached out to the above companies for clarification, but I have not received satisfactory responses or resolutions. 

Dates and Amounts ( if applicable ) : The inaccuracies appear across multiple months and include amounts and accounts that I do not recognize or that are reported incorrectly. 
Specific account details and discrepancies have been highlighted in the dispute letters sent to the credit bureaus. 

I request that the CFPB investigate these inaccuracies and ensure the information is corrected or deleted as necessary. Additionally, I request that the companies involved provide proper documentation to verify the accuracy of the reported information i requested and have not received support.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late 30 days on payment. Ive attached a copy of my report to this complaint on the payment on the following dates XXXX XXXX XXXX. I'm now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans Ive been fighting since their first lawsuit, was finally excepted with their second lawsuit and I was approved XX/XX/2022, the discharge of XXXX percent shows to be removed within 180 days weve past that by 100 days, its affected my score every month within the 100 days on top of over the years by about XXXX points, thats not fair, their twos are harassing me and marking me feel like law is hopeless and that I need to be scared or depend on something other then my rights and law plus their letter.
Product: Credit reporting or other personal consumer reports

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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I've requested the removal of these inquiries since they are unrelated to me.
Product: Credit reporting or other personal consumer reports

About 2005 a credit card was taken out with XXXX XXXX. I was recently notified for the first time their was a judgment. I did not open this card account and need resolution to dismiss judgement and get the {$850.00} back the took from my bank account. 

Attorney - XXXX XXXX  XXXX, XXXX, TX Receiver- XXXX XXXX  XXXX XXXX, TX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in agreement with the settlement with XXXX XXXX and Capital One on XX/XX/XXXX. The reps that I spoke to and paid agreed to update my account as paid in full. I need this done asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had 30 days late payment from XXXX XXXX XXXX XXXX XXXX ) on credit file. Which is incorrect I have Certified letter from XXXX XXXX XXXX XXXX XXXX ) that my account never ever has been late. 
I have more prove from XXXX XXXX XXXX XXXX XXXX ) to submit if need it.
Product: Debt collection

The company saying they bought this debt is called CKS Prime Investment and the amount is XXXX but was bought from XXXX XXXX XXXX, I have asked for proof of debt, contract and signature to prove this is my debt but they have failed to provide me with any documentation or information. They keep reporting it to my credit over and over and over which in turn is making my credit go down as I am working really hard to build it back up.
Product: Credit reporting or other personal consumer reports

TransUnion did not remove the fraudulent/unauthorized inquiries on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Coinbase.com, a cryptocurrency exchange and wallet service, regarding an issue I have encountered involving the wrongful freezing and locking of my assets ( specifically XXXX ( XXXX  ) tokens ) without my consent. This has caused me significant financial loss, and I believe Coinbases actions may constitute an illegal seizure of my property. 

Details of the Complaint : Account Information : Coinbase Account : -REDACTED- Affected Cryptocurrency : XXXX ( XXXX  ) Date of the Transaction : XX/XX/year> @ XXXX Transaction Status : Pending ( never broadcast to blockchain ) Amount of XXXX  : XXXX XXXX On XX/XX/XXXX, I initiated a transaction on Coinbase.com to transfer my XXXX tokens . The transaction, however, has been stuck in a " pending '' status for over 2 weeks, and as of this moment, the funds have not been transmitted to the blockchain. Despite repeated requests for clarification and resolution from Coinbases customer support, the status of my funds has not changed, and they remain locked in a pending state. 

There has been no reasonable explanation provided by Coinbase for this delay, nor have they offered any credible reason for the freezing of my assets. Importantly, the transaction was never broadcast to the blockchain, and the XXXX  tokens were never sent to their intended recipient. As such, I believe that Coinbase is unjustly holding my assets without lawful justification, and their actions appear to be in violation of my rights as a user and customer. 

This is a clear example of my digital assets being held hostage, as I have no access to the XXXX tokens, nor have I been informed of any specific issue or technical failure that would explain why my funds are being held in this " pending '' state. Given that no funds have been transferred or spent, and the transaction has never been finalized, Coinbases actions could be considered unlawful and in violation of my right to access my cryptocurrency. 

Requested Action : Immediate release of the XXXX tokens and a thorough investigation into the cause of the " pending '' status. 
A full explanation of the reason why my transaction was never broadcast to the blockchain. 
A review of Coinbase 's handling of customer assets to ensure this issue does not affect other users. 
Any compensatory action deemed necessary if my assets are irreversibly lost due to Coinbases actions. 
Please confirm receipt of this complaint and advise on the next steps to take. I am available for any further information or clarification if needed and would appreciate timely assistance in resolving this matter. 

Thank you for your attention to this important issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

A submit of a rental application on XX/XX/2022 that include a payment by debit for fees of $ XXXX {$60.00} to reserve and process the application at XXXX XXXX XXXX to lease an available property the company that assist with the approval is XXXX XXXX XXXX located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX UTAH XXXX Tele # XXXX along with Experian Located at XXXX XXXX XXXX XXXX XXXX TEXAS XXXX # XXXX I received an applicant adverse action Letter stating that XXXX XXXX  had no involvement in the decision and cant provide details of the denail but it states that XXXX XXXXExperion acted together to provide the results. I would like to requests in writing from both companies of any and all parties involved with this descision including third parties if I can please be provided on a way to fix this as it is causing time being wasted in finding proper housing and causing issues with my rental applications I would like it resolved immediately I was advised by XXXX that the return of the {$250.00} will be return ed b y the form of a check but the fee to process the application will not be returned
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I contacted the bureaus and supplied and FTC theft affidavit, a police report and proof of identity. 
The XXXX XXXX credit card wasnt opened by me. 

The bureaus have failed to follow the FCRA 605b in regards to identity theft and are in DIRECT violation of the law