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

I have mailed my driver 's license and social security card to XXXX XXXX, XXXX, and Equifax. ( XX/XX/ } certified to prove my identity and address. On my XXXX, an Equifax has duplicate names including the last name XXXX that do not belong to me. I understand also soft inquiries are not an issue, but it is to me ; I have not applied for any utilities such as XXXX XXXX XXXX XXXX, XXXX, etc. it's over XXXX inquiries I am doing my responsibility on my part so, what is the credit bureaus responsibility? They're not doing their part. Yes, I understand we are in a pandemic but are they even taking the time or just do not care about us consumers. We do have rights
Product: Money transfer, virtual currency, or money service

COINBASE Delayed Transaction Your USD will arrive by the end of day on Friday XX/XX/XXXX. 
Created XX/XX/XXXX XXXX PST XXXX USD XXXX BTC Subtotal {$2500.00} Fee {$38.00} Total Payout {$2500.00} Today is XX/XX/XXXX. I have not received my money. I have send numerous emails and tried calling Customer Service with no luck. I have not received a response and no one answers the customer service line, they put you indefinite hold. I 've held for 2 hours, no answer. I really do n't have any idea on what steps to take to get my money sent to me. This company does not have customer service and no way to get information.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax regarding inaccurate address information on my credit report. Despite my previous attempts to resolve this issue directly with Equifax, the incorrect address remains listed on my credit report. I request your assistance in rectifying this matter. 

Despite providing these documents, Equifax has not updated my credit report to reflect the correct address. This inaccuracy is affecting my creditworthiness and causing unnecessary complications in my financial affairs. 

I request that the CFPB investigate this matter and ensure that Equifax updates my credit report to reflect my correct address. Additionally, I would appreciate written confirmation once these corrections have been made and an updated copy of my credit report sent to me.
Product: Vehicle loan or lease

The account was opened in XX/XX/XXXX, I closed this account and returned the vehicle. Now they opened the account back up and its not supposed to be open and are trying to have me pay the full balance of the car which I dont have anymore, for the past 2 years it was closed but then it got reopened this year in XXXX. If they cant update that data on my report I want this account removed. From both my credit report and the joint account as well
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report and for no corrective actions taken on these unauthorized inquiries. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof. I have sent my communication letter to them last XX/XX/2023 but until this time, they don't take action on my request.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove this XXXX XXXX account as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

The following complaint was resolved by it being removed from XXXX on XX/XX/XXXX. How do I get it removed from XXXX and Equifax also? Here was my Case number : XXXX I am disputing the only adverse account on my report, which is XXXX # XXXX ( XXXX ) for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XX/XX/XXXX when my bill was paid in full thru XX/XX/XXXX. 
On Friday, XX/XX/XXXX, at approximately XXXX XXXX., when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XX/XX/XXXX. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XX/XX/XXXX when my account was paid in full thru XX/XX/XXXX. 
I owe XXXX nothing!
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 


XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

We have been targeted by two collection agencies thus far -- XXXX and now ERC. XXXX began calling almost daily this past spring 2019 looking for someone with the same last name as ours, but who doesn't live at this address and never has. ( I thought they just had the wrong number at first when I heard their message on my voicemail. ) I've also had this same phone number for over 30 years so the person they were looking for never had this number before as they suggested. I complained to XXXX and they finally took me off their calling list in XX/XX/XXXX, but apparently this matter was simply transferred to another collection agency -- ERC -- who is now calling me too. ( I don't know if XXXX did this, but wouldn't be surprised. Are they all connected? ) I finally talked to an agent at ERC today, XX/XX/XXXX, and she said they would take my number off the list again. This is the second time. I fully expect a third collection agency to call me looking for the person they're trying to collect a debt from. I'd like to know how these agencies get away with telephone harassment of anyone, especially those who aren't even involved in the collection matter and are called simply for having the same last name. It's reprehensible. What are my options for dealing with this in the future? Can I file a complaint with the XXXX and FTC? Can you tell I'm pretty ticked off?
Product: Mortgage

To Whom It May Concern, I am writing to you regarding my mortgage with Selene Finance. I received a letter from XXXX XXXX stating that were cancelling my homeowner 's insurance on XX/XX/2020. I called Selene Fiance a week later to report that I am no longer using XXXX XXXX for my homeowner 's insurance, and I have a new contract with XXXX XXXX. Selene Finance renewed that policy with XXXX XXXX without my consent. XXXX XXXX and my self have reached out to Selene Finance regarding my homeowner 's insurance on several occasions with no resolution. XXXX XXXX has informed me that I have until XX/XX/XXXX before they cancel my policy. I am asking Selene Finance to change my homeowner 's insurance to XXXX XXXX immediately. I would also like for my mortgage to be reported to all credit bureaus. 

XXXX XXXX Loan Number XXXX
Product: Debt collection

A woman by the name of " XXXX '' has been contacting me repeatedly throughout the day starting at XXXX-XXXX, as well as my family members and even my new employer ( a 3rd party which she discovered online ) which has NEVER been released to her or any other debt collector. She has been seeking info from my family as well as co-workers, requesting my information/location, verifying where I am working, how she can find me, and even has my co-workers relaying messages to me in order to call her back.. She has also been telling my co-workers that I do n't answer my phone or reply to voice messages which makes me look bad to my employer and puts my job in GREAT jeopardy. One of the numbers she has been calling from is XXXX. IT NEEDS TO STOP!
Product: Credit reporting or other personal consumer reports

I just looked at my consumer credit report from Equifax XXXXXXXX XXXX XXXX. I saw a hard inquiry on my credit report that did not have permissible purpose. I also attached the evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated report.
Product: Debt collection

Actions to validate debt for months. no response from the collection company. reporting false inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted company about the false reporting and was told it would be handled but remains in my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX 9. XXXX XXXX  10.XXXX
Product: Credit reporting or other personal consumer reports

Our bank notified us of inquiries to our credit report. Both to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX of XXXX. We contacted them and reported that we did not apply for credit. They were unable to tell us where the inquiry came from. 
We are in the process of contacting all three credit report companies to put a freeze on our credit and to report the fraud.
Product: Credit reporting or other personal consumer reports

ON THE XXXXXXXX XXXX XXXXXX/XX/2023 I WROTE EXPERIAN TO INFORM OF THE MULTIPLE LAWS THEY WERE VIOLATING REGARDING MY CONSUMER REPORT. I ADVISED OF THE VIOLATION TO MY PRIVACY 15 USC 1681 AND THAT I NEVER GAVE EXPERIAN ANY VERBAL OR WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. I DO NOT HAVE TO CONTRACT WITH ANY THIRD PARTY COMPANY. I REQUESTED IF THERE WERE ANY CONTRACT BETWEEN ME AND EXPERIAN TO PRODUCE IT IN 30 DAYS AND THEY HAVE NOT. I REQUESTED IF THEY COULD NOT PROVIDE SUCH CONTRACT ALL RECORDS I DEMANDED BE REMOVED, THEY WERE NOT. 
12 USC 1028A AGGRAVATED IDENTITY THEFT. WHOEVER DURING AND IN RELATION TO ANY FELONY VIOLATION ENUMERATED IN SUBSECTION ( C ) KNOWINGLY TRANSFERS, POSSESSES OR USES WITHOUT LAWFUL AUTHORITY, A MEANS OF IDENTIFICATION OF ANOTHER PERSON SHALL, IN ADDITION TO THE PUNISHMENT PROVIDED FOR SUCH FELONY, BE SENTENCED TO A TERM OF IMPRISONMENT OF TWO YEARS.

15 USA 1681 PERMISSIBLE PURPOSES OF CONSUMER REPORTS- ANY CONSUMER CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( WITH WRITTEN INSTRUCTIONS TO THE CONSUMER TO WHOM IT RELATES ). I GAVE NO SUCH PERMISSION! AGAIN I REQUESTED IF SUCH CONTRACT OR PERMISSION WAS GRANTED TO PRODUCE, EXPERIAN DID NOT. 
15 USC 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION - A FINANCIAL INSTITUTION MAY NOT DIRECTLY OR THROUGH ANY AFFILIATE DISCLOSE TO A NONAFFILIATED THIRD PARTY ANY NON PUBLIC PERSONAL INFORMATION UNLESS SUCH FINANCIAL INSTITUTION PROVIDES OR HAS PROVIDED TO THE CONSUMER A NOTICE THAT COMPLIES WITH SECTION 6803. THEY DID NOT PROVIDE ANY NOTICE 15 USC 6802 CONTINUED COMPANIES DID NOT PROVIDE REQUIRED OPT OUT NOTICE.
Product: Debt collection

Received a bill from a company I did not do business with and not sure how to respond. No action taken yet
Product: Mortgage

XXXX is alleging i owe a total balance of {$64000.00} on my home when in fact i only owe {$37000.00}. Ive called and spoken to many agents and was told I got a loan modification. I never agreed to or knew about a modification to my loan and after further review the agent PLS XXXX stared she does not see anything showing a modification or paperwork showing A modification in her system. I have called multiple times to get any type of paperwork showing the modification and terms where the other {$27000.00} is coming from but no one including the supervisors have been able to tell give me any info.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Credit Reporting and Request for Investigation Dear CFPB, I am writing to report violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX, and TransUnion ( collectively, the " Credit Bureaus '' ) regarding inaccurate information on my credit reports. Despite multiple disputes and evidence provided, the Credit Bureaus have failed to correct the errors. 

Account Information : XXXX Account # XXXX Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Dispute History : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Evidence Submitted : - Letters to each Credit Bureau - Records showing equipment returns on XX/XX/XXXX - Email from XXXX XXXX dated XX/XX/XXXX - Recordings from XXXX stating the balance of {$2200.00} includes equipment charges totaling {$820.00} Facts : 1. The Credit Bureaus have reported an incorrect balance for the past XXXX XXXX. 
2. I have repeatedly disputed this error, providing evidence to support my claims. 
3. The Credit Bureaus have ignored my disputes, failing to investigate and correct the errors. 

Impact : - Inaccurate information has harmed my credit scores with all three Credit Bureaus. 

Request : 1. Immediate deletion of Account from my credit reports. 
2. Investigation into the Credit Bureaus ' handling of my disputes. 

Notice : If I do not receive a satisfactory response within 15 days, I will pursue legal action to protect my rights under the FCRA. 

I request your assistance in resolving this matter and ensuring the Credit Bureaus comply with federal regulations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Attachments : - Copies of dispute letters - Evidence documents ( records, email, recordings ) - Proof of mailing ( certified mail receipts ) After 15 days, if unsatisfied, consider consulting with an attorney specializing in consumer credit law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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, 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 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

On XX/XX/XXXX, I was notified via my online portal and email that my School Misconduct Discharge application was received by Navient. This application was submitted to dispute my private loans and request their discharge due to the mismanagement and misconduct of The XXXX XXXX XXXX XXXXXXXX, where I attended from XXXX to XXXX. XXXX XXXX XXXX is no longer an open institution and has not been for quite some time. I provided all necessary documentation, including detailed responses to all questions, evidence from articles and government-affiliated sources, a signed letter, and transcripts from the community college I attended afterward, showing that none of my credits from XXXX XXXX XXXX transferred due to its lack of accreditation and affiliation with educational institution as it was a for-profit school, and much more. 

On XX/XX/XXXX, I received an email from Navient stating that my loan servicer would be changing to XXXX beginning XX/XX/XXXX. Concerned and confused, I immediately called Navients department that handles school misconduct applications. The representative confirmed that my application was received on XX/XX/XXXX, and assured me that I would receive a response within XXXX business days from that date. 

However, that time has passed, and today, when I logged into my Navient account, I received a notification stating that my administrative forbearance will end in 36 days ; this notification was located in the notification center only. I have not received any communication, whether by email, letter, or phone call from advocate, regarding the status of my applicationneither approval nor denial. 

I am requesting an update on the status of my application, as I believe I have submitted all required documentation correctly and promptly. Despite being informed by a Navient representative on XX/XX/XXXX, that I would receive a response within XXXX business days, I am still awaiting an answer, and I am now faced with the unexpected news that my administrative forbearance is ending soon. 

I have attempted to contact the same department at Navient twice today, but unfortunately, I have not been able to reach anyone.
Product: Debt collection

This is an insurance issue, Spoke with Ability Recovery Service regarding the matter several times. They do not have the actual billing information, which was made clear when it was discussed with the insurance company. All they have to do is submit the actual billing information to the VA for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account on my Report I am not aware of
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my credit report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I had an account with United wholesale mortgage opened XX/XX/year> and they reported me late 30 60 90 days late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX which is not accurate and in XXXX my loan was transferd to XXXX and I started making my payments with XXXX and I just got a notification that I am 60 days late in XXXX with United wholesale mortgage while I am ( was ) no longer with them and with XXXX I am in good standing no late there
Product: Credit reporting or other personal consumer reports

I was listed in several major data breaches, compromising my personal information and making it susceptible to misuse. These breaches have resulted in the inclusion of numerous incorrect and unverified items on my credit reports, which vary inconsistently across the three major credit bureausXXXX, Experian, and XXXX. After obtaining my free credit reports, I discovered these discrepancies and initiated disputes with the companies reporting the negative items and the credit bureaus directly. 

Despite my efforts, the inaccuracies persist, causing significant harm to my credit standing and personal reputation. Despite my repeated efforts to correct multiple inaccuracies on my credit reports with all three credit bureaus, these errors remain unresolved. These inaccuracies negatively affect my creditworthiness and violate my rights under the FCRA. 

These breaches make any electronic records suspect, as digital signatures and documents could have been compromised or fraudulently created.

Under 15 U.S.C. 1692g ( Fair Debt Collection Practices Act ), failure to provide this information invalidates the debt. Moreover, the inclusion of such unverifiable items on my credit reports violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates that credit reports be accurate and complete.
Product: Credit reporting or other personal consumer reports

I contacted the TransUnion credit bureau to address unauthorized inquiries on my credit report and to validate my signature with the companies that claimed I AUTHORIZE THEM TO PULL MY REPORT.
Product: Credit reporting or other personal consumer reports

Navient is using my name without my authorization. I never contracted with Navient. I contracted with XXXX XXXX How did Navient get my information? I did not authorize XXXX XXXX XXXX my information with any third party affiliate. I received documentation from Navient that they are transferring my information to XXXX. I am not authorizing Navient to give my information to XXXX. I do not have a contract with this entity and I will not contract with this entity. XXXX should not have access to any of my information. This is identity theft.
Product: Credit card or prepaid card

ON XX/XX/2023 SOMEONE GOT {$240.00} FROM A ATM AT XXXX ON XXXX XXXX I HAD MY CARD IN MY PURSE AND WASN'T NO WHERE NEAR THIS BUSINESS ARE LOCATION I WAS AT HOME NETSPEND DID SOME KIND OF INVESTIGATION AND FOUND THAT THERE WASN'T ANY ERROR AND I DIDN'T DO IT AND WON'T RETURN MY MONEY AND SAID IT'S A DONE DEAL THAT WAS ALL THE MONEY I HAD I DIDN'T TAKE ANY MONEY OUT OF NO ATM
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX