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

I am filing this complaint because Equifax has fail to provide me with physical documents proofing that they have on file in regards to the Bankruptcy they place on my credit report. I needed to know what was going on with this information and contacted to court and can not get any information. According to Section 611 ( 5 ) ( A ) of the FCRA, all information must be promptly remove if the information can not be verified within 30-45 days. They have ignored my request to provide me with physical proof that their company have on file. Please resolve this matter as soon as possible.
Product: Credit reporting or other personal consumer reports

Hard Inquiries I did not authorize on my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American credit acceptanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American credit acceptanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you about an error on my credit report and request that you provide me with verifiable proof or delete the record immediately. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per the FCRA, only accurate and timely information may be listed on my credit report. Section 609 of the FCRA gives me the right to see what the court sent to your credit reporting agency as evidence that the information is correct. Bankruptcy ( Discharged CH-XXXX ) I found such inaccuracy in bankruptcy in credit report : Reference Number is incorrect ; No contact information If you are unable to verify the account. The information should be removed from my credit report. Thank you for your help.
Product: Credit reporting or other personal consumer reports

showing paid but showing negative impact requested deletion, was deleted and came back on credit report
Product: Money transfer, virtual currency, or money service

In XX/XX/2017 I created an account at Coinbase.com, with the intention of purchasing some cryptocurrency. I passed my identity verification screening, which included adding my name, address, bank account information, credit card and even uploading my driver 's license to confirm my address and age. I was allowed to make multiple deposits of XXXX, XXXX, XXXX and XXXX dollars. 

I purchased some cryptocurrencies, paying fees each time, then sold them, again, paying coinbase a fee. 

Once the funds for the transactions were released into my coinbase cash account, I went to make a withdrawal of said funds ( total amount in my account is {$1800.00} ), but was told that I would need to " verify my identity '' using their supposed " 3rd party verification service '', which required even more details than were required to fund the account. I went through the steps advised, entered all of my information, including new info ( last 4 of SSN ) but each time the provider said that " verification could not be completed at this time ''. I attempted to complete this procedure over FIFTY times. I emailed coinbase over a dozen times, have direct messaged them on XXXX and yet have gotten no help ( only automated replies, or suggestions to continue changing the information I enter into their verification system, to no avail ), and my funds remain frozen. In a last ditch effort, I went to CLOSE my account, so that I would finally get MY OWN MONEY, but even trying to close an account requires this broken verification. They won't even let me close the account or withdraw my funds!!! This is a significant amount of money, that belongs to ME, and it is criminal and negligant for coinbase to deny it to me, when I have done everything within reason to verify who I am. 

It has been about 3 weeks since this debacle has started, and I am finally desparate enough for outside help ( Hence me contacting you, Consumer Finance Protection ). 

Thank you for your help
Product: Credit reporting or other personal consumer reports

I have tried getting my Transunion credit report from XXXX XXXX XXXX for the last 6 months, every time I try it says it is unable to pull it up and that I need to fill out a paper request to send in or give them a call. I have had to call them multiple times to get my credit report. I have talked with different employees and they have said that their system must be down and then mails out my credit report to me. 

On XX/XX/2024 I got a notification from XXXX XXXXXXXX XXXX XXXX XXXX that my SSN had been compromised and was found on the dark web on XX/XX/XXXX XXXX XXXX XXXX uses Transunion to get their information. I have pulled my credit reports with XXXX and XXXX, I am just having a hard time trying to get Transunion. It is vital to get the credit report when needed, not have to wait a week or two to get it in the mail. 

XXXX XXXX was able to get me the name, address and phone number of the person who compromised my SSN. I was also able to get some more info from my XXXX account that the potential site says XXXX XXXX XXXX data. My other reports are fine but I am unable to check my Transunion report. It would be nice to be able to access my credit report every time without any hassle.
Product: Credit reporting or other personal consumer reports

This loan was associated with a XXXX XXXXXXXX XXXX purchased from XXXX XXXX XXXX XXXX located in XXXX, GA around XX/XX/XXXX. However, the vehicle never arrived. I never had possession of the vehicle. The vehicle is financed through XXXX XXXX XXXX XXXX. I never got insurance on the car because I never saw it in person. On XX/XX/XXXX, XXXX sent me a letter confirming that I am not responsible for this loan. Despite this information, the account is still being reported on my credit file, which is causing significant damage to my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a police report along with a dispute letter about the XXXX XXXX account thats reporting on my credit report ...
Product: Vehicle loan or lease

Vehicle Repossession, Proir to my Husband 's Death on XX/XX/XXXX, I XXXX XXXX Has never recived a bill of sale the account is reporting as an Charge Off on my Report Report with a Balance of $ {$8700.00}. I would like for that Account From Overview You've paid off 44 % of the original amount. 
Balance {$8700.00} Highest Balance $ XXXX Monthly payment {$330.00} Opened XX/XX/XXXX ( 4 yrs, 5 mos ) Term 77 months Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX Creditor Information GM FINANCIAL XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are still several accounts and information that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not intitiate these Items or authorize anyone else to do so on my behalf. It is clear that this is a case of identity theft and I am taking steps to report this to the authorities. I understand that the Fair Credit Reporting Act, section 605b, requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Equifax has been inadequate. 

Here are the details of the issue : Confirmation numbers : XXXX XXXX XXXX XXXX XXXX  Dispute Submitted : XX/XX/year> Account Name : XXXXXXXX XXXX Account No : XXXX Original Dispute Reason : This account does not belong to me. 

Equifax informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Equifax to confirm the accuracy of this information.

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Equifax claimed they updated the item but did not provide any documentation to support their findings. 

I asked for the supporting documentation, as is my right under the FCRA, but Equifax has failed to respond appropriately. 

The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing.

Resolution Requested : I am reques
ting the CFPB to assist me in ensuring that Equifax : Provides the necessary verification documentation they claim to have used in their investigation.

Removes the disputed item if they are unable to provide verifiable proof of its accuracy.

Ensures that any actions taken by Equifax comply with the 30-day investigation requirement as mandated by the FCRA. 

I also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
Product: Credit card or prepaid card

MASTERCARD STANDARD XXXX Current Balance : {$9.00} Credit available : {$250.00} out of {$300.00} I am having a constant problem with the bank of the west credit card secured I am not given ample time to pay because of their reporting system is lagged behind this is effecting the credit report that is allocated to this card.

i need some information or maybe the ability to pay this card as i am not even able to use this card a week before the date of bill arrives they do not give me an option to overpay or to pay the credit limits difference just the bill that is updated on a daily basis, however the credit is as you can see below the 300 mark is there someway that is can be resolved
Product: Mortgage

I have XXXX mortgages on my credit report that are listed as delinquent, XXXX with Chase Bank and the other with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My attorney XXXX XXXX from XXXX XXXX XXXX XXXX XXXX in XXXX notified both Chase and XXXX that both banks agreed to a global settlement pursuant to which Chase and XXXX would have the right to take title and in return drop all claims against me. XXXX XXXX sent both banks the stipulations discontinuing the XXXX foreclosure actions and waiving all deficiency judgments against me. The XXXX Customer Care and Recovery Group refuses to remove this item from my credit report and the Chase Credit Research Department has not yet responded. I am a single mother of XXXX living in the basement of my sister ' s home. I am desperately trying to apply for a mortgage to buy a home for my children. My credit score has been adversely affected by these mortgages for which I am no longer liable. I can not get a mortgage with these other mortgages still on my record. XXXX XXXX XXXX XXXX XXXX ) has also closed my credit card account even though I told them I had the stipulations of discontinuance for all three mortgages. XXXX did n't care. I am a victim of fraud and these banks are punishing me for it. They are financially abusing me and violating the Fair Credit Reporting Act. Please help me get these mortgages removed to restore my credit so I am able to buy a home and take care of my children.
Product: Credit reporting or other personal consumer reports

XXXX is a compant that this company is in diret violation of the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ),. Sometimes around XX/XX/XXXX, Achieve personal loans was placed bac on my credit file after being blocked for identity theft on or around XXXXXXXX XXXX XXXX. I was not notified 5 day prior to this fraudsnt account being reinserted which is a clear violation as I stated aboe..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed several erroneous credit unquiries on my Experian report. THERE WAS NO WRITTEN CONSENT GIVEN. Under the Fair Credit Reporting Act experian must investigate and verify disputed items. Simply saying they are valid inquiries without actually looking to the matter is NOT SUFFICIENT. These are the inquiries, I have not given written consent for these inquiries as the law requires for them to be authorized : BK OF XXXX - XX/XX/XXXX CAP XXXX NA - XX/XX/XXXX XXXX  XXXX NA - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX BANK - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 2017
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for XXXX of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically, your records inaccurately report the following : XXXX late payment in XX/XX/XXXX. 
XXXX late payment in XX/XX/XXXX. 
These inaccuracies are reflected in the reports from both TransUnion and XXXX, while XXXX fails to report this account entirely. The remarks in your records indicate " Account was in dispute- now resolved - reported by subscriber, '' yet the errors remain uncorrected. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting.

Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the correction made to my credit file.

If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action.

Attachments : To assist with your investigation, I have included : Copy of my Social Security Number.

Copy of government-issued ID.

Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2019, I received a phone call on my cell from XXXX at AA Recovery ( XXXX ) who advised that he wanted to see what was going on with the payment. XXXX advised that the payment dated XX/XX/XXXX came back invalid card. When I started to ask questions, XXXX changed it to the payment dated XX/XX/XXXX coming back as an invalid card. Once XXXX realized that I was onto his scam, he hung up. He then called my work phone, asking to speak to Human Resources. I  advised him that what he was doing was illegal because it was harassing. XXXX advised he would keep calling numbers until he got to Human Resources. 

I did attempt to make a payment on the XX/XX/XXXX in which my bank informed me that the company that was processing the payment, XXXX XXXX XXXX, was a scam company and, because they did take payment on the XX/XX/XXXX, they were sending me a new debit card. I then received a call from a woman on XX/XX/XXXX from a woman and a man who tried to get me to give them my credit card information. Once both of them realized that I was not going to give them anything, they hung up on me. 

I have looked up the company ( they operate as AA Recovery ) and XXXX XXXX XXXX and both companies come up as scams.
Product: Credit reporting or other personal consumer reports

In accordance of the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. XXXX XXXX XXXX section XXXX A states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX, it also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX. XXXX XXXX ock. 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.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards and personal loans from XXXX with a balance of {$680.00}, XXXX with a balance of XXXX, XXXX with a balance of {$0.00}, XXXX with a balance of {$0.00}, XXXX XXXX  with a balance of {$0.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

NCB Management Service has removed the scheduled date that this account is scheduled for removal from their entry, or the date of first delinquency, listed on my XXXX  Credit Report. It appears that NCB Management Services is re-aging debt that is now past the California statute of limitations.
Product: Mortgage

on or around XX/XX/XXXX i received a delinquent notice concerning my homewowners insurance policy number XXXX for the amount of XXXX dollars. 
FAIRWAY INDPENDENT MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the mortgage lender that i pay the escrow to to pay the payment. I need them to pay my insurance.
Product: Money transfer, virtual currency, or money service

I'm being inundated with emails from a company named Coinbase regarding an account I allegedly have with them. Please understand that I have no account with this company. While I have unsuccessfully attempted to contact the company in order to inform them of this fact. It is impossible to reach them. Evidently whoever has this account lives in XXXX, and is fraudulently using my email. Please help me inform Coinbase that they are evidently being defrauded. Thanks.
Product: Student loan

I have both federal and non-federal student loans with Navient. They have taken triple the amount out of my direct deposit account than I signed up for multiple times.
Product: Debt collection

repeated calls to my cell phone from XXXX XXXX XXXX XXXX. 
they said they were Wells Fargo Home Mortgageand asked to speak to someone I never heard of. 
Told them wrong number on XXXX/XXXX/15. Calls continue every few days. 
Same number called on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to inform you that I have been a victim of fraudulent activity. Upon researching how to remove the fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) website at https : //www.ftc.gov to file an identity theft report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the attached documents to assist in the removal of the erroneous personal information and inquiries that have been posted to my report. Here is a list of items that were opened without my authorization : XXXX : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. As per FCRA Section 605B ( a ), credit reporting agencies must remove any items in a consumer 's file that the consumer identifies as resulting from alleged identity theft within 4 business days of receiving the report.