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

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX Spoke to XXXX and let her know that I was wrongfully terminated and that I am receiving unemployment. I told her I was waiting to receive my card from unemployment. I ask for a payment date change and was told that I could not change my payment date due to unemployment is consider temporary. I explained to her that my unemployment was approved due to being wrongfully terminated and that it was guaranteed until I find another job. She then lets me know that my car will be disabled but of course they dont tell you when. I also explained that I would continue to be late unless payment dates were changed. I literally have a {$6500.00} balance remaining until I pay off my vehicle. It would be nice if they would have let me provide proof to show that this is why I am having trouble paying my payment. If my car is disabled it would be a first since getting my car in XXXX.
Product: Vehicle loan or lease

Hi, I am recently being overcharged from a finance Company by the name of Westlake Financial. 

I am done making XXXX of XXXX payments as stated From my XXXX documents and the app that I use to moniter my payments..I called numerou times and spoke to several agents and Supervisors and was not getting the run around. No one could tell me why I have to pay XXXX extra. From the last call the supervisor
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a identity theft report, with a dispute letter and with my ID/ ssn card for verification for Transunion XXXX block the inquiries that are remaining on my report due to identity theft. They have decided not to comply with my request which is a violation under 15 USC 1681 c-2.
Product: Checking or savings account

I received an atm card and pin setup info for an account opened in my name. I NEVER opened this account! Clearly someone has used my identity to open this account. When I called PNC I was told they couldnt help me unless I gave them my SS #. I was not going to give that out to a bank who clearly had not done their due diligence in the first place! Eventually, they said they would help me and would submit it to fraud to get it shut down. When I asked that they send a written statement informing me it was indeed shut down they said they dont do that. They told me if I am still concerned I should just call and verify!
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I initiated a transfer from my account to another wallet, I did XXXX BTC. Then I was asked a few questions from Coinbase to verify that I was not scammed. I did the questionnaire which was quite simple. Then I got a notification saying the system detected a fraudulent activity and I needed to update my password. This is weird enough since I don't recall answering any answers wrong. I changed the password, logged in again and tried to do the transfer again. Then I found that my account is restricted. 

I then started talking with customer service hoping this can be solved. After a very long conversation, they told me to do a quiz again. Same questions I received earlier. I did that and waited another lengthy period of time only to get an message from the customer service saying my account was under review and I will get a reply within 7 business days. 

After 3 days, I reached out Coinbase Customer service again and this time, the person who served me just kept telling me to stay connected. I waited more than 1 hour and they changed to another agent, asked same questions again. And after another 30-40 minutes. I was told that I will get an email response. I was there for almost 2 hours for nothing. 

Well not nothing, I got an email after that saying my account is locked. I tried to log in and I was told to verify myself. I scanned my passport, recorded myself on video. After 10 minutes I got a response from Coinbase : We can not verify your account. 

I tried the 2nd time, I thought maybe because I had my glasses on while I was shooting the video of myself. So I did the verification without glasses on. Same result. I can not verify myself. I tried 3rd time, it says too much attempts to log in, I can not even try the 3rd time. This is simply ridiculous. Me and my passport can not verify my own account. 

I need access to my account, the way Coinbase handles its customer is not acceptable at all. And to anyone who is thinking about moving your crypto to Coinbase, please think twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a police report on these accounts and they were deleted from my credit report then put back on a month later! XXXX XXXX was opened XX/XX/XXXX in Michigan. I dont even have a Michigan Identification or DL and I havent for years. This car was stolen and I was sent a letter that it was in impound and picked up by XXXX XXXX. The balance shows {$24000.00}. Please remove this from my credit reports ... all 3! Also, XXXX XXXX XXXX was opened XX/XX/XXXXand has a balance of {$1200.00}. I did not open that account. I only have one account with XXXX XXXX XXXX  to which Im just an AUthorized User. There are also several debt collection agencies from XXXX XXXX XXXX with balances of {$580.00} and {$530.00} from XX/XX/XXXX. Another from XXXX XXXX in the amounts of {$430.00} and {$290.00}. Also XXXX XXXX XXXX XXXX. My personal credit bureau information was stolen, addresses were changed, and my Michigan address is being used even though Im never in that state. Please help me get these inaccuracies off my credit. There are also 29 INQUIRIES that I did not authorize or do that were already removed and appeared to my credit again
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX CT XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$16000.00} XXXX  XX/XX/2022 XXXX XX/XX/2022
Product: Credit card or prepaid card

XXXX XXXX increased my credit line on XX/XX/XXXX to {$6800.00}. On XX/XX/XXXX I received a decrease in credit to the balance of {$4300.00} which had an adverse affect on my credit. My credit usage went from 63 % to 93 % this caused my score to be lowered by 12 points. I called ( I'm not sure what date ) to inquire  about the decrease and it was confirmed accurate and was stated based on the activity on my report. On XX/XX/XXXX there was an alert on my credit report for over or at the credit limit. I called on XX/XX/XXXX and was advised that the minimum payment that was stated on my bill was not the actual minimum amount and that a higher amount was needed to cover the minimum. I was also advised there was a credit protection on my account which was causing additional interest on my account every month. I received a letter dated XX/XX/XXXX that states my credit was accessed on XX/XX/XXXX and my credit limit was again be decreased to the balance of {$3200.00}. This decrease was reflected on my credit report on XX/XX/XXXX having an additional adverse affect on my credit score. One of the reasons they use for lowering my limit is " Proportion of balances to credit limits on Bank/National revolving or other revolving accounts is too high '', however, they have been the reason that the credit limits are too high.
Product: Debt collection

I received a letter from a company by the name of Financial Credit Network in regards to a medical bill. I'm not sure who the original creditor is, however I have double coverage of medical insurance. I wrote them a certified letter and advised them that they have the wrong person and not to contact me anymore. After that, I received another collection letter for a different amount. I now have two alleged debts with this company. 

Additionally, I have filed a complaint with your firm in this regard case number XXXX. According to you that have not responded to you either, however they have since sent me two more collection notices. 

Unknown Account Numbers XXXX AND XXXX
Product: Credit reporting or other personal consumer reports

There was a lawsuit placed against Experian Credit Bureau for breach of account information causing numerous accounts to be effected by the actions and because of that I am submitting all negative credit items and credit inquires be removed from my Experian Credit Report asap due to the Fair Credit Reporting Act ( FCRA ). 



XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Dispute of Credit Report Error XXXX Dear Sir or Madam, I am writing to formally dispute the following information on my credit report. I have reviewed my credit report and identified an inaccuracy that I believe is incorrect. I request that you investigate this matter and remove or correct the entry as soon as possible. 

Disputed Item ( s ) : All Negative Items On Experian Credit Report Account Name/Number : XXXX XXXX XXXX XXXX Disputed Information : Accounts still showing in a collection status which by the Fair Credit Act guideline regulations are not valid towards my credit report because of breach of account information on my account. 
Reason for Dispute : All this accounts need to be removed and closed from my credit report do to the lawsuit against Experian Credit Bureau and the Fair Credit Reporting Act guideline regulations. 
Please find attached any relevant documents supporting my claim, such as receipts, payment records, or communication records. 
Please investigate this dispute and correct the information as soon as possible. I understand that under the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within 30 days and notify me of the results. 

If you need any additional information, please feel free to contact me at ( XXXX ) XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Navient is furnishing XXXX accounts on my consumer credit report that are being reported with another services. Therefore, Navient is reporting the same accounts twice and did not remove the reporting once sold to another servicer. Navient is direct violation of my consumer rights by furnishing inaccuracies on my consumer credit report according to the FCRA. There should be no Navient reporting accounts on my consumer credit report.
Product: Credit reporting or other personal consumer reports

The credit bureau XXXX Equifax XXXX has out dated in accurate items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I called in to speak with someone from the Office of Consumer Affairs, I spoke with XXXX employee id number XXXX XXXX XXXX and was advised that they did not receive my documents and that they were not removing the XXXX account ending in ( XXXX ) from my credit file. I then called back the next day and spoke with another agent name XXXX XXXX id XXXX, from the Office of Consumer Affairs that stated that the account from XXXX ending in ( XXXX ) was reporting and that it was put into dispute on XXXX, I asked if they had received the documents that I sent certified, and they stated they had not received them. I called again on XXXX and spoke with XXXX employee id XXXX also from the Office of Consumer Affairs, who told me the XXXX account ending ( XXXX ) could not be removed and they were not going to remove it at this time. I also spoke with an agent name XXXX, from the Office of Consumer Affairs, on XXXX.I her that Equifax responded to the CFPB that the XXXX account ending in XXXX had been deleted, and she confirmed that the account was still reporting on my credit file as of today. XXXX I stated to XXXX that I would like the account removed and she stated that is currently under dispute. At this time Equifax Information Services has violated the FCRA 1681 c- ( 2 ), 1681o. ( 1 ) 1681n ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These account are fraudulent inquiries XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Citibank XX/XX/XXXX CBNA XX/XX/XXXX XXXX XXXX XX/XX/XXXX CBNA XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report, and noticed an old account that was closed. It belongs to XXXX XXXX XXXX XXXX d/b/a XXXX XXXX XXXX. I no longer have it and disputed it several times, asking for removal, but the credit agencies have ignored my requests. It is hurting my credit, preventing me from getting new credit cards or other credit products in the future.
Product: Mortgage

XX/XX/XXXX statement says {$5100.00} is regular monthly payment and next payment due is XX/XX/XXXX. 

I paid {$5100.00} on XXXX XXXX but the statement dated XX/XX/XXXX charged a {$85.00} late fee and states the " total amount due on XX/XX/year> is {$9000.00} '' I have to waste my time trying to talk to reps who call to try to get me to pay over-the-phone and have no knowledge or authority of the payments. One rep told me to " make the payment a couple days AFTER the due date '' to avoid them applying my payment incorrectly. I am NOT going to pay late and should not be asked to pay late just because they are inept in processing the payments correctly. This is an ongoing problem and they need to learn how to apply payments correctly! 
Also, the " regular monthly payment '' states {$5100.00} on the XX/XX/XXXX statement, {$4600.00} on the XX/XX/XXXX statement, {$4900.00} on the XX/XX/XXXX statement and {$4600.00} on the XX/XX/XXXX statement. I received XXXX different ANNUAL ESCROW STATEMENT stating the NEW PAYMENT amounts as {$4900.00} and {$4900.00}. Why all the discrepancies and inconsistencies? I have had dozens of mortgages throughout my XXXX career as a landlord and have never had the ongoing problems as I face with Fay Servicing XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to XXXX credit union about 2 accounts i do not recognize on my acount and have not received updates. I believed my mail was stolen from my previous address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and credit cards were open using my name and old address. my new address has also showed up as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello. Several years ago I was called about a XXXX XXXX card that was opened in Colorado sever years after I stopped living there. The person that opened it up had my social security number, the old address, and some other identifying information on me. I'm not sure who it is, but I told XXXX  that the card was fraudulent and they didn't seem to want to do anything about it. I called them back a few times though and got someone who said that they would send me an affidavit I could sign to get rid of the card. I never received it so I called back again and again. I never did recieve it and I'm suspecting that they were sending the thing to the old address they had on file. We tried this about 4 times and then my father ended up having several massive strokes. I didn't have time to deal with the company if they couldn't even get mail sent to my address correctly, so I put things on hold while I took care of him and then forgot about this entirely. I recently went to apply for a house and they said that this account was hurting my credit score by 120 points. I did not get the loan because of it and the house sold. 

I am currently working with them again but this is ridiculous. This time they sent me a questionnaire to fill out via email and say they are processing things, but I have no way of contacting them or talking to them about the issue. I just get a random call center person who looks at the status on the screen. It's been processing for several weeks now and I haven't gotten any word back from them. They probably sent more documents to the Colorado address for all I know. 

What's crazy is that it is XXXX dollars. I have perfect payment history for everything else I've ever had. I spend almost 700 $ a month at XXXX  on Coffee and Lunch but I am done. They won't get another dollar of mine at this point. 

Here is the information on the card. I only have the account number.. They wouldn't give me the card number because I didn't open it. lol Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Company : Coinbase Issue : After creating a brand new account and following the directions provided by Coinbase, I received a notice that my 'buying ', 'selling ', and ability to transfer money were all disabled. It's strange because I have no debt, plenty of funds in my checking account, and a clean financial record. I asked Coinbase support for an explanation and was told that- they can not provide an explanation and can not elaborate on internal decision making. 

Luckily, I have no funds in Coinbase - but I can't imagine this happening if I had actual funds linked to a Coinbase account. Coinbase needs to provide some level of transparency. I would like Consumer Finance to review Coinbase 's user agreement and suggest recommendations on how to protect users from Coinbase 's ability to shut down accounts at random.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

In XX/XX/XXXX when attempting to take out an auto loan I was notified of a delquent account from XXXX XXXX with a balance of {$20000.00}. They stated this card was opened in XX/XX/XXXX and this was the first i was hearing about it. I called XXXX XXXX immeaditly to notify them this was not my account. I filed a police report as well as filed a notice to the FTC. On XX/XX/XXXX a bill was sent for the fradulent account, I contatcted XXXX XXXX to inform them there must be a mistake they told me they found me liable for the card and provided no information on how they made this determination. XXXX XXXX refused to reopen the fraudulent investigation despite my notification that there is no way this could be mine. 

I have another valid tradeline with XXXX XXXX and it has always been paid as agreed. XXXX XXXX  should be able to see first hand by looking at their own records and the credit report they would have pulled when the account was opened that I always pay my bills on time and that my credit is very important to me.
Product: Credit reporting or other personal consumer reports

My account with ( FREEDOM MTG ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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.

( FREEDOM MTG ) 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