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

I logged on to Experian to dispute a collection on my report. Upon logging in, I checked my alerts and I noticed that there was a personal message ( which I did not type ) which stated : " A fraud alert has been placed on your EXPERIAN Credit Report. 
A fraud alert notifies potential lenders who view your credit report to verify your identity before granting new/additional credit. 
Alert Details : Alert Date : XX/XX/2019 Source : EXPERIAN Consumer Statement : XXXX & XXXX-19 XXXX ID SECURITY ALERT : Fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. Do not extend credit without first verifying the identity of the applicant. This security alert will be maintained for 1 year beginning XXXX-19. Is anything incorrect? Visit Dispute Center '' Upon visiting the dispute center, it does not allow me to dispute anything and tells me to call Experian. I called and spoke with XXXX, who was extremely impatient, disregarded my crisis, told me to upload some documents. I asked him to stay on the phone for which he had an issue and as I predicted, the upload failed as soon as he hung up. Online uploading shutdown and I was notified on screen to call another number. That number was just voice recording and i was told I have to do a mail in. I am trying to get a car-my partner is XXXX and we need to be able to be mobile for his doctor visits, prescriptions and in case of emergencies. 

I am completely shut off from my own credit report and the dispute process and the timing couldn't be worse. Who gave them the authority? I want to know who made this decision and why and how come no one informed me?
Product: Payday loan

I have an {$800.00} payday loan from Spotloan c/o BlueChip Financial XXXX. XXXX XXXX XXXX, ND XXXX. They are taking {$160.00} directly from my checking account 2x per month XXXX. I have been trying to pay it off but have learned the company is no longer in business. They give another # to call when you call the and that company has no record of me or my account. They took out anther payment again today and it says debit from Spotloan. My issue is they are going to keep taking payments 2x per month until XXXX and there is no way for me to prevent it from happening.
Product: Student loan

I have contacted Navient trying to lower my payment for my student XXXX student loans. I have suggested a payment of XXXX dollar monthly because at this time that is all I can afford. Navient then proceeded to tell me that they declined the request because not only do they not accept international schooling but they also wo n't because I have run short of deferment time. I am really trying to settle this loan because I am about to graduate in a year. They then proceeded to threaten me with sending my account to collection as well as sueing my grandmothers and putting a lien on their homes. I feel that the way that they are responding to me and not willing to assist me is byfar not the proper business ethic and value that American business culture embodies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I went to het a new lease and they gave me a copy of my reports and Im stressed and cant believe Over 90 days  ago I sent letters about an investigation into items that were INNACCURATE, Unverifiable and Invalidated. To this day I have not received a reply or my investigation results or any acknowledgment that an investigation has begun not even on my credit reports.I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Product: Vehicle loan or lease

My name is XXXX XXXX and I am completing this complaint without help of a third party or agency. I know my rights and I choose to assert them no matter how long ago this happened. This complaint is pointed toward Santander Consumer USA. All details and correspondence are attached to this complaint. The original consumer credit transaction happened on XX/XX/2019 Account # XXXX. Attachments are as followed - Copy of contract that show violations or false and misleading information - Copy of recent XXXX -Proof of down payment ( cash ) paid to XXXX XXXX on behalf of Santander USA -Debt collector letters sent to me- Full statement of my claim and list of violations and invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thanks for reading this and happy XXXX XXXX to your family. Thank you. It is quite frustrating being in this situation. The credit bureaus are no help, the customer service is rude. I am sad and it is taking a lot from me, I am strong and I will like for this to be resolved Being a victim of identity theft is quite embarrassing and I want to make things right. My name is XXXX XXXX, I have enclosed all verification documents of my identity. I am submitting this complaint myself. I Advised the credit bureau of what happened and this account doesnt belong to me. Other credit bureaus removed it but this one did not. They are supposed to be the same information throughout all reports. Which means this account wasnt verified accurately. I have Requested method of verification and was simply ignored. This account does not belong to me. This is unauthorized and needs to be deleted immediately. This has completely ruined my relationships with other institutions. Account needs to be deleted as it is showing as negative derogatory on my credit report and doesnt belong to me. I am receiving many messages with an urgency tone from this company. Which is violating my rights. I did not consent to this account. Fully unauthorized and needs to be removed. Delete the account as requested. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Thank you very much.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I JUST HAD THIS COLLECTION ACCOUNT APPEAR ON MY CREDIT REPORT THAT I BELIEVE IS A RESULT OF IDENTITY THEFT THAT IV'E BEEN DEALING WITH FOR OVER A YEAR BECAUSE I HAVE HEALTH INSURANCE AND THERE IS NO WAY THIS IS MY ACCOUNT.
Product: Student loan

MOHELA placed me in forbearance in XXXX which makes it impossible for me to make payments. During this time my interest is accruing and there is nothing I can do about it. They also just wiped out my balance then reinstated a week later just as I was about to come out of forbearance. So now I am in forebearance all over again for another XXXX  months and they are going to make even more interest off me. They also raised my interest rate from XXXX to XXXX %. How is this not illegal?
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2022, our family Coinbase account was hacked and XXXX XXXX was stolen. Our complaint, is with Coinbase and their lack of support and customer protection. It appears that despite their previous advertisement, Coinbase is not using its " insurance '' to cover any losses from theft from their exchange ( s ), but employing what could be classified as Unfair or Deceptive Acts or Practices according to the Federal Trade Commission Act ( Section 5 ). https : //www.federalreserve.govXXXX Specifically, Coinbase is using its new Coinbase XXXX ( XXXX ) subscription as the limiting qualifying factor in deploying its insurance theft coverage. However, this was poorly publicized and does nothing for any previous Coinbase exchange customers who have had funds stolen. This is highly deceptive and has resulted in the loss of millions in XXXX funds from not just us, but numerous Coinbase customers. 

To date, Coinbase Customer support has done nothing but send template emails and has not directly addressed or answered our questions and concerns to move towards a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous credit inquiries on my report for which do not belong to me or have my approval. These inquiries need to be removed.
Product: Money transfer, virtual currency, or money service

I have an paypal account, that's linked to emails I've never had
Product: Debt collection

Portfolio Recovery Associates is trying to collect on a debt. However, they never sent me information to challenge the debt when they bought the debt allegedly from XXXX XXXX. I have sent multiple requests for validation on the debt and they have not responded with proper documentation that they have a right to collect on the debt.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information
disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was made to correct inaccurate information being reported yet they updated with more inaccurate late payment information. This account was closed on XX/XX/XXXX charged off on XX/XX/XXXX and sold on XX/XX/XXXX 

Explain to me how can I be 90 days late 8 times in XXXX when this account was closed onXX/XX/XXXXand charged off on XX/XX/XXXX. 

Explain to me how can I be 90 days late 3 times in XXXX ( when they closed the account with no late payments ) XXXX XXXX of XXXX after this account was closed on XX/XX/XXXX and charged off XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have previously disputed these charges directly with the credit bureausEquifax, TransUnion, and XXXX well as with your offices, supplying all necessary documentation to support my claims. These charges are not only fraudulent but have also been reported inaccurately. It is now almost a year since my initial dispute, and despite my efforts, there has been no satisfactory resolution. 

The failure of the XXXX credit bureaus and XXXX XXXX XXXX to conduct a thorough and complete investigation, and of the furnisher and your company to respond to my dispute inquiries, is not only frustrating but is XXXX a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 

This unresolved matter has adversely affected my ability to secure housing and is damaging my credit standing undeservedly. Given the gravity of this issue and its impact on my life, I am compelled to escalate this matter to higher authorities, including the FTC and Consumer Affairs, and have already filed a complaint with the Fair Housing Authority Authority regarding the illegal reporting of money judgements without a valid court order money judgement. 

The account and associated fees reported are without merit and inaccurately reflect my financial transactions with XXXX XXXX located in XXXX Michigan and XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CARMAX AUTO FINANCE is reporting an account as a charge off to my consumer report causing defamation to my character. CARMAX AUTO FINACE has filed a 1099C Cancelation of debt with the IRS for this account and is attempting to collect the same amount they wrote off from me on a written off debt that they were paid for. This is tax fraud and I will report you to the IRS. The IRS defines a charge off as income and income is NOT reported on a consumer report. Also the CODE OF FEDERAL REGULATIONS 7 CFR 1956.54 states that a charge off is : The writing off of a debt and TERMINATION OF COLLECTION ACTIVITY without release of personal liability. CARMAX AUTO FINANCE is attempting to extort me my furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I sent proof that my account had been paid in full before a judgement was taken against me. They have done nothing so I called back today and was told they found the proof I sent but they needed to research some more since they dont know where the money was because it wasnt put towards my account. Said to call back again the next business day. This issue is effecting my ability to get a real estate loan that is in process currently and is delaying me closing.
Product: Credit reporting

I paid XXXX XXXX Hospital bill on XXXX/XXXX/2016 for the amount of {$7200.00} ( Confirmation Code XXXX ) with XXXX credit card ending in XXXX. Please find attached XXXX letter confirming the reception of this payment. However, for some reason the balance appear unpaid in my credit report. 
Please remove this wrong debt information of my report, since this is affecting my credit score. 
In, advance thank you very much, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX 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 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

CFPB, XXXX XXXX XXXX XXXX XXXX VA IS NOT MY ADDRESS AND I'VE NEVER LIVED THERE.
Product: Credit reporting or other personal consumer reports

Experian has a debt showing and a collection on XXXX XXXX XXXX and XXXX XXXX  XXXX in which is not owed. 

Experian also has wrong phone numbers as well as accounts not updated balances. 
XXXX XXXX debt is or ever was owed. 

Experian has a complete mess of debts not owed collections that should never had been place on my credit file.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account numbers XXXX and XXXX 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. states a consumer reporting agency can not furnish a account without my written instructions This company states that accounts are not on my file but i check i see them there, so i need it removed asap
Product: Credit reporting or other personal consumer reports

On several occasions, I have written letters to XX/XX/XXXX asking them to explain an alleged debt that is reporting on my credit report. They have failed to respond to a single letter. 


XXXX XXXX Acct # XXXX Alleged Debt Amount : {$1000.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 XXXX - XXXX, XXXX - XXXX, XXXX  - XXXX, XXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA my rights have been VIOLATED. 

15 USC 1681 602a section 4 says I have a right to privacy.

15 USC 604a section 2 says to furnish consumer reports in accord with written instructions of the consumer 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: Checking or savings account

On XX/XX/2022 I transferred some money out of my Chime account to my husbands account about an hour later I went to get gas and it said that my card was not valid I tried to call Chime and it told me that I could not speak to anybody because my account was closed I looked in my email and I had email stating that they had immediately closed my account with no explanation I got my husbands phone and finally got through to somebody and asked them if they would transfer my money to my husbands account because I was stranded on the side of the road and if I did not have my money I would lose my job because they said they would send me my money within 30 days I was told that there was nothing that they could do because my account was already closed and I had received the email 45 minutes earlier and they said that the account was already completely closed and there was no way to access my money until it came to me in a check in 30 days
Product: Credit reporting or other personal consumer reports

XXXX is reporting my account for {$2100.00} i switched providers and my new provider was supposed to pay phones off and balance for switching also you guys were letting XXXX and XXXX XXXX report the same accounts and the same time which is illegal l
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a judgement with Equifax case #  XXXX  that was reporting inaccurate. Equifax sent me my results back as the item had been deleted.  Three days l ater I checked my report it was still showing inaccurate. I called Equifax to see what was going on. after been on hold for over an hour with the first rep, then she transferred me to the mixed dept after going back and forth with the Rep she then refused to let me speak to a supervisor. She came back on the line and said that the supervisor stated that the results we 're sent to me in error they we 're not complete. I then told her that they we 're out of the 30 days window. She then reply that there was nothing she could do that the results were complete.
Product: Debt collection

USAA is a great company to do business with but due to their affiliation with the military would engage in tactics that I felt were unbefitting of a corporation operating on US domestic soil. In one case where my water pump on my XXXX XXXX  went out I had to contact USAA who provided emergency roadside assistance for the car I financed thru them. What occurred was a subtle game of cat and mouse where USAA dispatched out a tow truck operator who was under the influence of XXXX  to my car. He was so high he started to tweek my car thinking he could repair it and actually caused damage to a hose on my car. I was so naive to this that I allowed him to tow my car only to then get held XXXX by him and taken to his next job. What I didn't know was his boss was a young man who was the first generation born here in the United States while his parents were from XXXX. The young man was learning how to manage an employee that had a drug problem like me but unlike me didn't have a sense of danger or fear about hurting others and was happy to go all out and try and take a risk. I had to call another tow truck out and swap trucks in order to get the heck out of dodge. It is one of those examples of what it takes to serve and be a member with USAA. 

In regards to my XXXX that I surrendered to them they sent some XXXX out to my house at XXXX XXXX  to collect the car in the dead of the night. Not only did they not know how to tow the car ( they didn't bring a flatbed truck ) they more than likely caused damage to the car. Since the car was to be sold at auction this was a great way to get away with causing damages to a car that was actually in really good condition., Selling this at auction meant they could off-load the car fast and then place me on the line for the remainder part of the debt which was never posted to my XXXX. 

I had no opportunity to dispute this debt, the amount owed, or find out my rights for the debt. I had just contracted XXXX and was dealing with a XXXX XXXX condition as well as trying to manage a XXXX XXXX XXXX to no avail. This caused me to leave my job and the stability that came with it causing me not to be able to find gainful employment after leaving XXXX as the only work I could find was that of part time work. It appeared that all my web traffic and search hits for jobs was that of part time work in order to keep me in the lifestyle that they felt I deserved to be in as I had applied to SSI as a result of leaving my job, needing to get medical insurance in order to cover my meds, and trying to figure out how to deal with public versus private insurance. My ignorance in navigating the system was compounded by the lack of social workers in the XXXX community as they did not have people available to assist with this transition and I had to privately fund this with my XXXX and as a result lost my entire life savings.