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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 5. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : None Reported 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Experian. I asked Experian for a human review of the late payments placed in my credit file from companies : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to remove the late fees reported to my credit reports with Experian XXXX and XXXX. The certified letter was sent to Experian on XXXX XXXX XXXX After 30 days I did NOT receive communications from Experian regarding my written request. On XXXX XXXX XXXX, I mailed a second notice to Experian via certified mail. I requested Experian to show me written proof of their investigation of XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/ Experian notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my Experian account online. Experian did not complete a thorough investigation. Experian did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. 
I want XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with Experian XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.
IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.


XXXXXXXXXXXX,XXXXXXXXXXXXandXXXXXXXX
Product: Checking or savings account

I deposited a check for {$12000.00} In XX/XX/year> the bank credit the funds And one day after the bank removed the Funds from my account due to the atm errors I contact the bank file a claim and at first they said That they were going to send me a copy a the check for me to redeposit I have contact my client He showed me his statement bank Which show that chase bank pull the money from his account also his his bank have given me The copy of the check that proved that the check was clear from my client account I have given the copy to chase bank client department and still holding my money The claim number is XXXX CHASE BANK Every time I have called they said different things They start saying that o fund was in my clients Account when I talked to my client he I showed me his statement account And he showed that the check was cleared Feel free to contact me for more information Thank you XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear XXXX, I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws under Florissant, Missouri, state laws. 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri state law establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Money transfer, virtual currency, or money service

My account has been under review for more than 6 montths already.

I contacted Coinbase customer service numerous times, getting the same generic answers that everyone gets here. 

I have been escalating this issue for weeks now with their support and everytime I get the same response from their chat department : " support will get back to you ... ''. 

My account is restricted and I can not buy/sell/deposit/withdraw. 

I sent all requested documents to them on XX/XX/year> but the issue is still here, no actual response whatsoever.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : TRASUNION Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( TransUnion, XXXX, and XXXX ) : TransUnion : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : $ XXXX balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$2600.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus. 

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response.
Product: Credit reporting or other personal consumer reports

The following items are being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im sure my payments are always on time, so its confusing that Im marked late for certain months. According to USC 1666b, any mistakes should be fixed, and the record should say " paid as agreed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My exwife opened a XXXX Credit card in 2009 ( 3 years before we ever met ). Shortly after we met, she added me as an authorized user and I never even had a card. The three credit reporting agencies are claiming the was a jointly owned account and that when we filed bankruptcy, Im responsible for the debts on a card I never truly was responsible for, nor had I ever made a single purchase with it. Im trying to repair my credit and I dont need something that I was never responsible for being held against me. I have no documentation because I never had a card nor was I allowed access to the account
Product: Mortgage

Title company XXXX admits to making mistake regarding improper deed transfer and won't assist with correcting the mistake they made. Hello, my name is XXXX XXXX I refinance my home on XX/XX/2018 the Title company calls me 9 months after refinancing my home on XX/XX/2018 to tell me they made a mistake and new deeds needed to be signed. I was instructed by the notary agent to XXXX sign my interest away on warranty deed and then instructed to sign another warranty deed getting my interest in the property back. The two deeds were signed and notarized on the Same Day. XXXX now shows as if I signed my property away where I'm still holding a mortgage. Although the title company admits they made a mistake they also said that I asked them to remove my name off title and deed??? I never asked to be removed from title or deed
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am submitting this formal statement regarding XXXX failure to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information on my credit report, XXXX has failed to conduct a reasonable investigation and has continued reporting erroneous data. 

XXXX continues to respond within 24 hours stating that the accounts are accurate without proper investigation and proof of accuracy. 

Disputed Account ( s ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Department of EducationXXXX XXXX XXXX XXXX XXXX According to recent findings from the Consumer Financial Protection Bureau ( CFPB ), XXXX has XXXX found to improperly handle consumer disputes, failing to conduct thorough investigations and often maintaining inaccurate data despite clear evidence to the contrary. My experience aligns with these findings, as XXXX has either dismissed my dispute without adequate verification or has not responded within the legally required timeframe. 

Under the FCRA ( 15 U.S.C. 1681i ), XXXX is required to : 1. Conduct a reasonable investigation of disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information.

3. Respond within 30 days of receiving a dispute. 



XXXX ' failure to comply with these legal obligations has caused undue harm to my credit profile, potentially affecting my financial standing, loan eligibility, and overall creditworthiness. If XXXX does not take immediate corrective action, I will escalate this matter to the CFPB, Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for violations of the FCRA. 

I demand that XXXX immediately conduct a proper investigation, correct or remove the disputed information, and provide written confirmation of the resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cashapp. I accidentally sent XXXX to two people in stead of one. I requested a refund like this app told me too but the receiver did not have access to his account anymore. I contacted cashapp support and basically was told that they can not cancel the payment even though it had not been accepted or received I litteraly tried for hours to reach someone they asked for Info such as who was the intended recipient and a bunch of info about him but said sorry next time verify who you send money to.. well obviously my phone was in my purse and it just added this person by mistake. I dknt understand why it couldnt be canceled immediately the other person didnt even accept the payment. Also when you try to reach support they say its outside of business hours all the time I called and it just hangs up chat they dont respond for hours and when I finally see they did they are gone again
Product: Credit reporting, credit repair services, or other personal consumer reports

Another account is allegedly open in my name in the same bank. After checking with the bank, I have just one account in XXXX XXXX bank. This has impacted my credit score by lowering it from XXXX to XXXX ( XXXX ) and I don't know why.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX 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 : 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: Debt collection

I wrote a verification letter to the collection agency. They sent me back the information regarding the debt. The bill is for {$460.00} and they are reporting {$740.00} in my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any INQUIRIES which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX M Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. 
I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late on payments and the Fraudulent account and Fraudulent inquiries I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ), 15 USC 1666B , 15 USC 1601, 15 USC 1692C , 15 USC 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Debt collection

The entire premise for the 1st and 2nd complaint towards NCC Business Services was that when I called on XXXX/XXXX/XXXX I was told this account was open, when in fact my credit report showed it was closed ( proof is attached to 1st and 2nd complaints ). The representative offered a settlement which I had been told for 4 years they did n't do. Then on XXXX/XXXX/XXXX my credit report showed the account was back open ( proof is attached to 1st and 2nd complaints for this as well XXXX. I want an answer as to why I was told it was open on XXXX/XXXX/XXXX when it was n't according to my credit report and then they opened again the next day?! 

They did n't respond/answer to the reason I wrote this! Why was I told it was open on XXXX/XXXX/XXXX when it was n't and then they reopened it on XXXX/XXXX/XXXX after miraculously offering a settlement when for 4+ years they couldn't/would n't!? I have submitted proof of my credit report reporting and their calls are recorded. Pull the call on XXXX/XXXX/XXXX and listen to the fact that I ASKED IF IT WAS OPENED and was told YES and that they are COLLECTING ON IT - which was FALSE according to my credit reports and that it was CLOSED.
Product: Credit card

On XX/XX/XXXX I read about skimming and decided to add the credit card to my wallet on iphone. I added mine with no problem but when I tried to add it to my husband 's phone it triggered a message to come up to call the bank about fraud. I called and they told me that there was suspicious activity on my card and that I it would be closed for XXXX  days. I have excellent credit and have been a customer for XXXX  years. I explained what I had done with iphone wallet and asked if that was why. They said that I had to send in a copy of my license, social security card and a utility bill with my name on it. I sent it in immediately though I did not like sending these items through email and it seemed a little suspicious. I called them a few days later to see what was happening with the account. I could not get information but they said it would take about XXXX  days! I began to get worried that it was not a good idea to send my personal information to them as you don't even need to do this to get a credit card. I got a letter from them dated XX/XX/XXXX that stated there were potential security concerns and the account was suspended. I called them again requesting information and was told that my account was closed and I would get a letter. This is my main credit card and I have bills that regularly debit it and so this was a major problem for me. I am waiting to get a letter saying that my account is permanently closed. I don't know for what reason. I was not asked to verify any charges and have paid my bill in full every month for about XXXX  years. It was abrupt, lacking in reason, and extremely difficult to have this suddenly happen. I would like to know the real reason why it was done.