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

I have a invalid entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their negative accounts. I want to know this information because these accounts keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. I have contact all involved parties the credit bureaus and companies to have accounts removed ; provided proof of payment and payment history. Proof is also attached to this complaint.
Product: Credit reporting or other personal consumer reports

I submitted multiple dispute letters toTrans union regarding inaccuracies on my credit report, but they have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). 
Specifically, Trans union has violated the following provisions : 15 U.S.C. 1681e ( b ) : Trans union failed to maintain accurate information in my credit report. 15 U.S.C. 1681s-2 : The data furnisher ( s ) continued reporting inaccurate information, and Trans union failed to properly investigate my disputes. 15 U.S.C. 1681 ( 5 ) : Trans union did not delete inaccurate information after | provided evidence of errors. 15 U.S.C. 1681c ( c ) : Trans union possibly reinserted negative information without proper notice. Despite multiple requests, Trans union has failed to properly investigate and correct the errors, harming my ability to obtain credit, employment, and housing. I recently became aware that the CFPB has sued Trans union for similar violations, alleging that they conduct " sham '' investigations and reinsert inaccurate information without notice. My case is consistent with this pattern of misconduct. Resolution Requested : I request that the CFPB take action to ensure Trans union : 1. Conducts a proper reinvestigation of my disputes. 2. Removes all inaccurate, unverifiable, or outdated information from my credit report. 3. Provides a written explanation of its investigation and tindings. 4. 
Ensures compliance with the Fair Credit Reporting Act ( FCRA ) moving forward. 
Sent from my XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

I am XXXX years old. I have been in the hospital and XXXX for the past 10 months. I XXXX XXXX XXXX XXXX XXXX and have been away from my home for more than that period of time. I received a bill from Charter Bank for {$50.00} in XXXX 2017. I did not apply for this credit. I have never received or used a credit card from this company. I was in the hospital and my daughter called and was told this was a fee for the line of credit. She explained the situation and was told she needed to send power of attorney to speak with them. She sent it and said it was insufficient they wanted her social security number. she did not provide it to them. She told them that I never ordered this credit. Faxed them the invoice and letter to their fraud department to cancel and remove these charges. They did not respond. Since the first bill two other bills have processed and each time we fax a letter stating I did not request this and to delete the charge and remove this from my name. I feel this is a scam and they are preying on old people all the charges will add up to alot and they will get from my estate if they do n't get it from me. I did not ask for this to be opened at all ... please help.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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, credit repair services, or other personal consumer reports

I have inquieries on my credit report thati did not authorize these companies to do. 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
Product: Credit reporting or other personal consumer reports

My credit and my personal information was exposed in a data breach. I need this disputed within 4 days not 30 days due to code 15 USC 1681
Product: Credit card or prepaid card

I recently decided to cancel my Am/Ex due to extensive annual fee of $ XXXX/year and the fact that I don't use the card much. 
Before the closing I wanted to redeem my points to my account ( XXXX ) which translates to {$42.00} or have the card apply to any gift card where the points can be applied and the remainder charged to the card. 
The Am/Ex representative refused both transactions leading me to the conclusion that the Am/Ex wants to confiscate my points as result of my account closing decision. 
This type of action is not only unethical but truly reprehensible.
Product: Debt collection

I purchased three items of clothing from Macy 's Department store in XX/XX/XXXX for {$87.00}. My account was set-up with electronic billing. Macys redesigned their website XX/XX/2015 and erased all of their previous electronic billing data. They subsequently never billed me nor did they make any attempt to collect the debt from me, or even contact me regarding the debt. I have subsequently incurred late fees and interest increasing the debt in four months to {$230.00}. I discovered the delinquent debt when applying for a mortgage refinance and discovered my credit score has dropped from over XXXX to XXXX. I have paid the {$230.00} debt, however I feel that Macys has acted in bad faith with regards to the imposition of late fees and charges given that my electronic billing arrangement worked well previous to their deletion of my information. While responsible for the underlying debt, I am unhappy that Macys felt they could delete my account and then charge me heavily for the action. Of more concern is the damage to my credit score. Their action could ultimately cost me thousands of dollars in increased interest due to the damage to my credit score. Prior to this incident, I had never been late on a payment in my entire life.
Product: Credit reporting or other personal consumer reports

XXXX is still showing the account is opened and owe over {$6000.00}. XXXX is reporting that i had four late payments after the car was traded in.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don`t recognize this account and inquiries, I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 05 XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries listed in this affidavit are in accurate. I did not inquire with these companies. Please remove these INQUIRES immediately as they are causing me harm as a consumer. Due to only being able to list XXXX here are the others. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX I am a victim of identity theft and need these removed.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, Uplift attempted to take a payment from my XXXX using the debit card on file for monthly installments. I was notified this payment was declined. I went online to investigate and removed the debit card as a payment method. I recently received a new debit card from my bank because of a legal name change. So, the original card was deactivated, causing the payment to be declined. I attempted to add my new, updated debit card to the payment methods on uplift.com and it just gave me an error over and over ; " Card is not accepted. Please try a different debit card or connect your bank account. '' Well, I don't have another debit card because I only have one checking account. I tried adding a different card per the direction of a customer service agent I spoke with on XX/XX/XXXX. The website then told me " Credit cards are not accepted. Please try a debit card or connect your bank account. '' I have tried connecting my XXXX via XXXX, which, is the only option uplift.com provides for connecting a XXXX. Well, XXXX gives me an error on every site I try to use it with that states : " The credentials you provided were incorrect. '' I spoke with my bank via online chat and was told there is an issue with XXXX  and that the bank no longer manually connects XXXX XXXX XXXX XXXXor clients. I was told by my bank that the company I am trying to pay would need to manually connect my XXXX for me. I was then told by Uplift they don't do that. I was told to try making a payment by phone using the automated system. Every time I try, it transfers me to an agent who says they don't take phone payments. Additionally, I tried calling Uplift customer service a couple of times before XX/XX/XXXX to figure this out, and every time I got on the phone with a person, the call would end abruptly. The very last person I spoke with at Uplift told me I will have to mail my payment. The amount of time and effort I have had to put into this is absurd. Uplift should not be operating with online payments if its technology isn't sophisticated enough to deal with these things. Also, banks and other companies take payments by phone every day. Figure out how to do it. I will NEVER borrow from Uplift again after this. I received an automated text on XX/XX/XXXX at XXXX EST that my payment was due XX/XX/XXXX and my " trip may be subject to cancellation due to non-payment. '' Improve your customer service, improve what your people can do via phone, and improve your online platform. I expect to be compensated for such an inconvenience. All of this has been going on while dealing with fallout from a natural disaster in my area on XX/XX/XXXX ( tornadoes in XXXX Ohio ) and having XXXX at the same time. I even tried sending an email to Uplift ( XXXX ) at first because I was so sick, I had no voice and couldn't speak on the phone. There is no online chat option with Uplift.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened a XXXX card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 XXXX XXXX Shortly after XXXX my account was hacked, and monies were taken from my 'protected ' bank account on Coinbase and invested in XXXX twice. 

1 ) XXXX XXXX XXXX ) XXXX XXXX XX/XX/2023 XXXX XXXX Shortly after XXXX my accountwas hacked again. This time the hacker was allowed to purchase and/or sell XXXX  to other accounts from my account at least three, but probably more, times via various trades and other devices. ( See Highlighted Transactions ) During this period of time, and as before on XX/XX/2023, I was never asked for confirmation nor informed of any of this activity. 

1 ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX On XX/XX/2023 I contacted Coinbase via telephone XXXX XXXX and spoke with a representative. I requested assistance from the representative, and none was given. The representative was barely discernable and kept-on repeating the transactions I was contesting. In addition, the representative also kept repeating that I owed Coinbase money. Nothing at all was attempted to resolve my situation. 

Coinbase was clearly negligent in not only allowing a hacker to infiltrate my account, but to further allow unauthorized transactions to take place without my consent, or informing me of such activity. Furthermore, Coinbase failed to protect my banking information from said hacker who then easily managed to transfer monies from my XXXX XXXX XXXX XXXX Banking account ( s ) into Coinbase to then be used for unauthorized trading and sale. This fiasco has caused me financial damage and distress over several days period of time and continues to do so as I write this complaint and demand for recovery of lost finances. 

In addition, after contacting Coinbase they made matters worse by offering no repair or recovery whatsoever, but simply demand that I pay them money instead.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of XXXX XXXX XXXX  My correct Social Security numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Department of Education and XXXX has violated multiple USC 's and Privacy Acts : The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with XXXX, Experian, XXXX and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on XXXX and XXXX on Experian it also shows me being late in XXXX on XXXX and XXXX on Experian. The only reason I cant show you that XXXX also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file litigation
Product: Checking or savings account

The bank closed my account on XXXX of 2024, and said that they will mail out the funds within 10 business days. However, they instead put my funds under investigation and kept my funds hostage. The closing balance of the account is about XXXX USD and they quoted " The Deposit Account Agreement ( DAA ) allows us to close an account other than a CD at any time, for any reason or no reason, without giving a reason, and without prior notice. The DAA also advises we may remove funds from your account to hold them pending investigation. '' However, they do not have the right to not inform me of the reason for the pending investigation as the DAA only stated that they have the right to close my account for no reason. I am an XXXXXXXX XXXX  and the current funds in my account is totally from an international wire from my parents. I don't have the money to pay my rents or tuition for a month already.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting agency didn't send me verification of their process on validating my report was accurate. I sent another letter out today.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries I have noticed unauthorized inquiries on my credit report that I did not consent to. Upon reaching out to the creditors responsible, they confirmed that they have no record of my initiating these inquiries or providing any verbal or written authorization. Since these inquiries are not valid, I kindly request your immediate removal from my credit report. 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Details of Disputed Inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing paragon as something I owe. This is a medical debt. I can not owe a medical debt as I am a XXXX/XXXX member and that would be XXXX fraud to charge me for services outside of the insurance. I contacted experian about this and they refused to take it off of my report.