23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XXXX XXXX hasn't removed 3 claimed late payments from my credit report. The dates XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX show up on my credit report as being 30 days late. However I have never made a late payment. Upon disputing the claim with XXXX XXXX XXXX they have failed to provide a response since XX/XX/XXXX. It is now mid XX/XX/XXXX and I have yet to receive a resolution to this dispute which is adversely and unfairly affecting my credit score. Not only have I been making on time payments but have also paid double the monthly balance to pay off the loan quicker.
Product: Credit card or prepaid card

Credit card has been charged since XX/XX/10 from XXXX XXXX, on line. Bank of America has reimbursed charges and changed credit card 3 times since. XXXX  continued to make fraud charges, from {$1.00} to {$8800.00}. BOA refunded all the small charges and decline the claim for the {$8800.00}. I closed the account but they are charging me for late payments
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address inaccuracies and violations in the reporting of several accounts on my credit reports by various creditors and credit bureaus. The following accounts are being reported incorrectly, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Account 1 : XXXX XXXX XXXX Violations : XXXX XXXX XXXX continues to report a derogatory account on my XXXX and XXXX credit reports, despite the fact that TransUnion has deleted this charge-off. The creditors have failed to ensure the accuracy of their reporting as required by the FCRA ( 15 U.S.C. 1681 ). XXXX and XXXX are actually non compliant and are being negligent by not following suit violating 15 USC 1681N Civil liability for willful noncompliance The account was not properly validated, and I was not provided any notice or opportunity to dispute the account before it was placed on my report, violating 12 CFR 1006.34 ( b ) ( 5 ), ( c ) ( 4 ) ( i ), and ( d ).

Resolution Requested : I request that XXXX and XXXX immediately delete this inaccurate information from my credit reports to ensure compliance with federal regulations. 


Account 2 : XXXX XXXX ( Original Creditor : T-Mobile ) Violations : The debt collector XXXX XXXX has reported a collection account on all three of my credit reports without ever providing validation of the debt or the required notice, in violation of 12 CFR 1006.34. 
The account was placed without giving me the opportunity to dispute it and is therefore misrepresenting my creditworthiness, violating my rights under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ).

Resolution Requested : I request that the credit bureaus remove the collection account due to its inaccurate and unverified nature.

Account 3 : XXXX XXXX Violations : The account number associated with this XXXX XXXX credit card is being inaccurately reported. This inconsistency breaches the requirement for accurate information under the FCRA, 15 U.S.C. 1681. 
XXXX XXXX has not clarified nor provided adequate validation. The conflicting details of the account number and reporting raise concerns about the legitimacy of this account. 
Resolution Requested : I request the immediate deletion of the reported account and that the incorrect XXXX XXXX account be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block these items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/year>
Product: Money transfer, virtual currency, or money service

This complaint is regarding Coinbase. On the XXXX XXXX 2017 I purchased XXXX Ethereum ( XXXX ) from them. The transaction went through ok and I received my coins. However a few moments later I noticed that they ran the transaction for a second time without my authorisation and a further XXXX Ethereum was deposited in to my account. I sent a message to their tech support via their website alerting them to this however I did n't receive any response and havent to this day. I then phoned my bank on the same day informing them of this. They said they would investigate and get back to me in due course. On the XXXX XXXX, I received an auto generated saying that my bank had removed money from Coinbase for a transaction that went through and that my account would be on hold until I paid the outstanding balance of XXXX. I tried to pay this on the site as I wanted to sell my entire holding of both Litecoin and Ethereum. The total holding was XXXX. However the site prevented an error message to try another payment method, none of them would work. So at this point I am unable to sell my coins or remove any of my funds from the site. I raised a tech support ticket on the XXXX XXXX stating the issue and that I urgently needed this resolved. I received an auto generated email saying someone would be in touch within 72 hours. However I didnt hear anything back and raised another on the XXXX XXXX. I also Tweeted their tech support team to see if that method would work. I tried this multiple times and did n't receive any response. At this moment in time I was very worried that they were running a scam so search the internet for any answers. I came across a XXXX forum where people had similar issues to myself. I found a telephone number for the company but I could only leave a message and no one responded. I found an address for them in the XXXX and when I turned up I was told no one from Coinbase had ever been to the building. I then posted my issue to XXXX on the XXXX XXXX and CC 'd in a number of their tech support and also direct messaged them. I then contacted XXXX XXXX ( Coinbase CEO ) XXXX ( XXXX XXXX XXXX ) on the XXXX XXXX he responded asking what the issue was. At the same time one of their developers responded on XXXX and looked in to my issue. My account was still locked on the XXXX XXXX and so I raised a tech support ticket again receiving no response. I was finally able to sell my holding on the XXXX XXXX for XXXX. A drop of XXXX. I approached their CEO again to enquire if they could look in to whether I could be recompensed as this loss is down to coinbase. Firstly because they took an unauthorised payment which meant my bank removed funds from them, resulting in my account being put on hold and secondly because they refuse to answer any technical support issues, XXXX or direct messages. A lot of people are having this same problem. I was told by their CEO that there is nothing they can do and now refuses to respond. You are my last hope in trying to get back anything from this sham of a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : 1. ) company name : XXXX account numbers : XXXX date open : XX/XX/XXXX amount {$220.00} 2. ) company name : XXXX XXXX XXXX account number : XXXX Date open : XX/XX/XXXX XXXX. ) Company Name : XXXX OFXX/XX/XXXX Account XXXX Date XXXX amount : XXXX 4. ) Company Name :XX/XX/XXXXAccount number : XXXX Date Open : XX/XX/XXXX amount : {$30000.00} credit Inquiries : XXXX BANK ; XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

cash app, which was connected to my XXXX  XXXX XXXX  account was the cause. Since I did not a cash app account at the time, any yet there were withdrawals made from ny account leading to my funds being completely emptied. After rectifying XXXX XXXX XXXX on the phone and needing to go into the actual branch with a newly issued drivers licence i provided them a copy of my XXXX  drivers licence, they withdrew most of the funds that came from my account so I could go to XXXX for a replacement. I'm unsure what took place concerning my XXXX  XXXX XXXX  account but it was closed without notice. Cash app caused this to happen. I opened my own cash app later since my bank account closure even though I had my XXXX  and XXXX  income taxes to be directly deposited to it. which lead to more problems and I can not deposit cash or cash checks with the cashapp at all.
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, have 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, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were
Product: Vehicle loan or lease

I went into my online account to make XXXX 's auto loan payment and inside the account it reflected that my next payment due date wasn't until XX/XX/2024. I knew I had not made XXXX 's payment so I called AutoPay Inc., XXXX, XXXX, and asked why the website indicated that my next payment wasn't due until XXXX, when I hadn't paid XXXX 's payment. The AutoPay agent said very nonchilantly, " Oh, the website is just doing that lately... we have gotten other complaints. '' He went on to explain that when you log in in the month the payment is due the website automatically shows the next months payment due rather than the current months payment due. 

The agent for AutoPay said they are aware of the issue but he never said they are taking steps to correct the problem with the website. 

My concern is that other people will incur late payment penalties because of the website error.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2020 XXXX and TransUnion has not reported on my credit.
Product: Mortgage

The morgage company mistakingly payed a tax bill that they hold no interest in and are trying to make me pay for it and will not refund my money or fix their mistake. 
Pretty much paid my neighbors property tax and added it to my escrow account to pay, also charged me overages/fees and changed my payment from XXXX to XXXX. 
They expect me to keep paying for this mistake until they are refunded from the county and I dont feel like that is right! I dont have the extra money to shell out each month for their mistake!

I have attached the receipt where they paid the partial with a completely different address than the loan they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and talked with my school loan lenders over the past year with no avail however, after further review of my three credit reports, I have found them all to be two to three years old, and my financial balances are totally incorrect. Unfortunately I have five lenders who have not updated any of my financial information to the credit bureaus. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and Capital one, which is a credit card I paid off in full sixteen months ago, in the amount of {$3100.00}. After calculating such figures I have paid back {$14.00} to these XXXX lenders and my credit reports state false and or incorrect balances on these accounts. This is a very negative and significant situation for me and my future. I need help or directions that will help me fix this serious problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There requesting {$510.00} beginning XX/XX/XXXX. Name of company SOUTHWEST CREDIT SYSTEMS, L.P. My social security number obviously has been compromised because a company is coming up on my credit report about a XXXX account that I don't owned and I haven't never owned residing at the address I have been residing in since XXXX. I'm not sure where this new profound account is coming from all of a sudden claiming it was since XX/XX/XXXX. This is the second pop up account appearing on my credit report and it isn't mine. I already have fraud alert and anything I can get to freeze my credit because of someone using my social security number. This has been happening for the last fifteen years. I have been fighting about my social security number and someone having my information. Clearly these people are not speaking on anything I have had because I have proof the last internet service I had was XXXX. I don't own internet since XX/XX/XXXX with XXXX canceling my account and not having any issues but, what they have previously corrected on there end. So this is definitely a fraudulent account.
Product: Credit reporting or other personal consumer reports

I sent certified priority mail to Equifax asking that fraudulent items be removed from credit report. I sent out letters for each inquiry hard pulls and soft pulls I addressed to Equifax my concerns by phone and mail XX/XX/year> I did make Equifax aware that accounts in my credit report are fraudulent Equifax has aggressively disregarded my complaints and fraudulent items remain on my report hold back my financial opportunities.
Product: Debt collection

I have received a total of  XXXX  calls from an " unknown '' since Thursday,  XXXX / XXXX / XXXX . Last being at  XXXX  pm on  XX/XX/17    where I asked and was finally informed of the caller being from Synchrony Bank. I asked if they had called the prior  XXXX  times and was told yes by the caller. I was also told that I was  XXXX   ( 1 )  month late in my credit card payment. I told the caller that any/all future communication should be only be through the mail. I found the calls harassing as when I answered, the caller would just hang up and not leave a message. This practice of debt collection is outragious and a form of harassment.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX  ON XXXX  XX/XX/2025 TransUnion.
Product: Credit card

I am disputing the charged-off account from [ XXXX XXXX ] on my credit report. The creditor failed to issue a Form 1099-C as required by IRS regulations for canceled or discharged debts over {$600.00}. This raises concerns regarding the accuracy and validity of the reported charge-off. 

Per IRS guidelines and case law XXXX XXXX XXXX XXXX XXXX ), failure to issue a 1099-C can indicate the debt was not legally canceled or forgiven, thus making the charge-off reporting potentially inaccurate.
Product: Debt collection

This debt does not belong to me. I do not have a signed contract with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax requested id info for the third time.
Product: Credit card or prepaid card

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX indicating that I owed a debt of {$290.00} to XXXX XXXX from the Merchant Lowes. XX/XX/XXXX I called Lowes customer service who transferred me to XXXX at XXXX XXXX XXXX who just wanted payment. I explained that I didn't occur any charges at Lowes and could he provide some documentation regarding time place and date of the charges. He responded that he would mail them and I never received anything until a duplicate letter dated XX/XX/XXXX arrived. I spoke to representatives at 2 different Lowes who were no assistance resolving the issue. One did give me an 800 to call after speaking with Lowes corporate customer service. XX/XX/XXXX I called the number and after many lengthy holds and transfers the call ended up back at XXXX XXXX XXXX. Once again I asked XXXX if he could provide documentation of the debt and he stated that was not able to and would like to collect the debt allegedly owed. That is now why I am writing for your assistance in bringing closure to this harassment when trying to find a resolution on my own.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, this incorrect name and addresses remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After checking my credit on XX/XX/year> I found that I have 8 unauthorized inquiries on my consumer report from Experian.The following companies XXXX XXXX XXXX dated XX/XX/year>XXXX XXXX XXXX XXXXXXXX date XXXX XX/XX/year>, XXXX XXXX on XX/XX/year>, XXXX XXXX XXXX on XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Experian business credit on XX/XX/year>, XXXXXXXX XXXX  on XX/XX/year>XXXX XXXX XXXXn XX/XX/year> has accessed my information without my consent. I disputed these inquiries with Experian and demanded for removal. This is unauthorized use of my credit and there is no accounts connected to any of these inquiries. Please get these inquiries off as I have no knowledge of doing any business with these companies.
Product: Credit card

XXXX XXXX amount of {$11000.00} was charged on my credit card. My Bank failed to stop all transactions and notified me. It went over my credit limit. 
I had several fraudulent from a company called whatnot. I never nor did my husband approve for any of these transactions. The bank stated the package were sent to my address. What packages? I do not have any package whatsoever. I even submitted supporting documentation to help with my claims. I am always calling every week to get update. The bank is working on the case no changes. As of today BOA closed my claim stating I asked for it to be closed. I never spoke to anyone about closing my claim, I never gave anyone authorization to close it. I repeat why would I want to close a {$11000.00} claim! Im getting the runaround with BOA. 
Im sorry BOA has failed me, I been with them since XXXX, I never had this happen to me especially a huge fraudulent transaction!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a fraudulent hard inquiry appeared on my Equifax credit report. The inquiry appeared as XXXX XXXX XXXX ( All in caps ) Sales Financing. ( XXXX ) XXXX. The first thing did was call the number above XXXX. The number rang and it was a cellular number. Then I called the actual XXXXXXXX XXXX which the correct phone number is XXXX. I disputed this hard inquiry with Equifax and was denied. I called Equifax and spoke with a representative " she stated to file a police report to get the hard inquiry removed. The police representative said to dispute with Equifax because the phone number on the hard inquiry isn't XXXX XXXX phone number. I called Equifax and spoke with a supervisior name XXXX on XX/XX/XXXX @ XXXX ; XXXX. XXXX advised to go to the FTC.gov website to file a report. 
When the real XXXXXXXX XXXX is added to a hard inquiry on your credit report it reads '' XXXX and includes the account name for example - '' XXXX ( Bank ).