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

I am writing to request a correction of the following information that appears on my XXXX, XXXX, and TransUnion credit reports. 

Dispute 1 Account Number or other information to identify account : XXXX - XX/XX/XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize the inquiry on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately. 

Dispute 2 Account Number or other information to identify account : XXXX XXXX XXXX XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize the inquiry on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately. 

Dispute 3 Account Number or other information to identify account : XXXX XXXX, XXXX XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately. 

Dispute 4 Account Number or other information to identify account : XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX I bought a XXXX that costed {$1700.00} in an XXXX store in XXXX, New York. When I was about to buy it, the sales person offered me the Barclay credit card with XXXX rewards. He told me that I could buy the XXXX with it with no interests if i would make more than {$1700.00} in payments before XX/XX/XXXX. I accepted the offer. 

By XXXX, XXXX I had already made {$1800.00} in payments, which, according to what was said to me, would exempt me from the interests of the XXXX purchase. To my surprise, last XXXX, XXXX, Barclay added {$770.00} in interests to my balance. When I called them inquiring about the sudden surge, they said those were the interests of the XXXX I bought in XXXX. They explained that the {$1800.00} worth in payments made by me didn't count towards the XXXX purchase. 

I was misled at the time they offer the credit card to me. I have been trying to explain that to multiple representatives, but they seem not te be willing to help. In XXXX, they closed my account and placed the debt in an in-house collection department. Meanwhile they are still increasing my debt by adding penalties and interests every month. On XX/XX/XXXX I call them again, and the representative told me that is there is a problem with the interests accrued by the XXXX purchase I needed to meddle that with XXXX, but XXXX said they have nothing to do with it because they are not my creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters to all three credit bureaus to have the bankruptcy taken off my report because its causing me a world of trouble. As of today XXXX took the bankruptcy off my report but equifax and XXXX will not follow suit. This should not be reporting my my credit report because they cant verify the information. I want this deleted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted this company twice disputing unverified information on my credit report. The first letter I sent they replied they could not find my file. They did not respond to my second letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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

It is on my credit report from XXXX XXXX recovery, I dispute through XXXX XXXX, in process right now. I dont know what is PORT FOLIO RECOVERY.
Product: Debt collection

1. **Failure to Acknowledge SCRA Protections** : - I contacted XXXX XXXX XXXX XXXX XXXX ) via their live chat system to request retroactive application of the Servicemembers Civil Relief Act ( SCRA ) to an account originally opened with Synchrony Bank ( PayPal Credit ). The chat session was terminated immediately after I mentioned the SCRA, without explanation or assistance.

- I also and disputed and offered to provide documentation proving eligibility for SCRA benefits, including : - Proof of my spouses XXXX XXXXXXXX status ( service began in XXXX XXXX ). 
- Documentation confirming the debt was incurred **prior to my spouses XXXXXXXX XXXX**. 
- XXXX has not acknowledged my requests, adjusted the account, or communicated further. 

2. **Ongoing Non-Compliance** : - Despite SCRA requirements, interest has continued to accrue on the account. The debt was transferred to XXXX after origination, but they have failed to honor the retroactive 0 % interest rate mandated by federal law.
Product: Debt collection

hi i dont know who is the creditor and i have this account on my profile show a balance of XXXX , ,i would like to request a validation from a third party collection agency .. 
i need proof of either own or were assigned the debt from the creditor. 
and i need a copy of original contract with my signature! 

please if would like to respond to : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding Experians failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate or unverifiable information on my credit report, Experian has not conducted a reasonable reinvestigation of the disputed accounts, leaving these issues unresolved. 

The CFPBs recent lawsuit against Experian highlights systemic issues, including failures to forward consumer-provided evidence to furnishers, accepting unreliable responses from furnishers, and not adequately notifying consumers of dispute outcomes. These allegations align closely with my experience, as Experian has neither corrected nor removed the disputed items on my credit report, despite providing ample evidence of their inaccuracy. 

Additionally, I am disputing a late payment reported on my credit account, which appears to be the result of a billing error under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), the Billing Error Resolution provisions ( 15 U.S. Code 1666b ), and 12 CFR 1026.13. The late payment was incorrectly reported due to [ briefly explain the error or issue, such as a missed or incorrect payment posting, system error, etc. ]. As such, I request the immediate removal or correction of this erroneous late payment from my credit report. 

Experians failure to address these issues constitutes a violation of my rights under the FCRA, and I urge the CFPB to investigate this matter thoroughly to ensure Experians compliance with consumer protection laws.
Product: Credit reporting or other personal consumer reports

I have never signed any contract or agreement with truest bank. Theyve illegally placed a $ XXXX debt on my credit report that has trashed my credit rating. I dont know who these people are and they dont know me either, as theyve stated repeatedly. They have also provided documentation to this effect. I keep disputing this with XXXX and the dispute is immediately closed without any sort of investigation, proving that this is my debt. Open close, that fast. They do not contact the company to verify anything because there isnt anything to verify. I called over to XXXX as well, and they simply said yeah its yours without checking into anything. I have contacted this truest bank company and gave them my full name, address, phone number, ssn, etc. They then provided me with a document stating we are unable to identify an account for you. Thats because there is NO account in my name. XXXX completely ignores this document when I give it to them. This is a mistake and its XXXX who is absolutely refusing to remove it from my credit report, even after the bank tells them that the account does not exist. I believe they are doing this, because if they remove it, they will be admitting that they made a huge mistake that damaged my credit significantly. Admitting the mistake will make XXXX liable and vulnerable to a lawsuit, so they just leave it on my credit report. The creditor sent me the document to remove themselves from the situation and remove their liability. I didnt realize that the dispute feature on their website was this much of a joke. They dont ever look into anything. I have the clearance letter from the alleged creditor that is supposed to remove these sorts of mistakes. XXXX ignores it every time to protect themselves from a lawsuit. Which is inevitable at this point. I just dont have the money to hire an attorney yet and they are aware of that. Yesterday I searched for and spoke with attorneys about filing a lawsuit on a contingency basis.
Product: Credit card or prepaid card

CAPITAL ONE-VENTURE CARD, ACCEPTED MY PAYMENT BUT FAILED TO CREDIT MY ACCOUNT AND CLOSED MY ACCOUNT. 3949-A HAS BEEN SUBMITTED TO THE IRS AND TREASURY DEPARTMENT XXXX 
Failure to honor, credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies.

This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ) .PITAL ONE-VENTURE CARD
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : Current Address ( es ) : XXXX XXXX XXXX XXXX, NC XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, the following accounts has violated my rights : XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C . 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1682 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I am currently enrolled as a XXXX in a school which is not receiving US Dept. of Education funding. When I applied to have my XXXX loans placed in deferment whil I am in school, all of them were - except for the ones serviced by American Education Services. AES claims that the originators of the loans ( XXXX and XXXX ) are the culprits, however, all of my other undergraduate lenders ( XXXX, US Dept of Education, XXXX XXXX ) had no problem deferring payments while I am XXXX. They ( AES ) cite YOU - CFPB - as their source of information. 

Furthermore, while awaiting a decision on my deferment status from this servicer, my monthly payments have fallen behind ( again, I am a XXXX - and can not have a job while in XXXX of the United States ) and now my parents ( who are XXXX and XXXX years old ) are receiving about XXXX harassing phone calls per day from these lenders - and are TERRIFIED that their home and/or car are going to somehow be placed in judgement and repossessed because of these trivial XXXX student loans.
Product: Mortgage

My mortgage ( SPS account XXXX ) was transferred from XXXX XXXX to SPS Servicing. For years, my mortgage has been withdrawn on the XXXX of the month. SPS sent me about a dozen notices- too many in my opinion because it just confuses information that should be given succinctly in one- saying that my ACH would continue. I called to verify that my ACH would continue and was told it would. SPS withdrew my payment on the XXXX instead of the XXXX. This caused undue financial hardship for me, since I was not expecting a large payment to come out of my bank account on the XXXX. 
When I called SPS to rectify the situation, XXXX XXXX said I could change it but that SPS took it out on the same day as the prior servicer. That is not true, and although I had my bank data, she did not care. How many mortgages are pushed forward like this by SPS trying to get better cash flow? Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of this year XXXX My coinbase XXXX Account was hacked and all funds were withdrawn and sent to digital wallets outside my control. The online intruders first transferred all my assets to my regular Coinbase account, then they exchanged the assets to digital currencies that are more readily available world wide i.e Litecoin, Algo, Chainlink. Then they proceeded to withdraw in hundreds of small transactions, each transaction aprox XXXXdlls in Value. Following is the list of all assets taken : XXXX Bitcoin XXXX ICP XXXX Eth XXXX Cardano ( ADA ) XXXX Litecoin XXXX NMR XXXX Solana XXXX Matic ( Polygon ) XXXX Yearn ( YFI ) XXXX SNX XXXX Comp XXXX EOS XXXX QNT XXXX CGLD XXXX XTZ XXXX AXS XXXX WLUNA XXXX UNI XXXX GRT XXXX AMP XXXX DOGE XXXX FET XXXX ZEC XXXX MAKER XXXX SUSHI A Coinbase Representative told me that the company is not responsible if I fell to a phishing scam and they were going to investigate but crypto transactions are irreversible. The fact of the matter is that Coinbase has weak safety protocols and this has happened to thousands of clients. On XX/XX/XXXX they cancelled an XXXX dll withdrawal on my behalf that I attempted to send to my XXXX XXXX  account. they never explained why even though they had temporary access to view my info through XXXX. 2 weeks later they did not find suspicious that somebody had accessed my account from a different device, probably from a different country, executed dozens of transactions in a window of an hour approx. and then drained my account with hundreds of small withdrawals also in a span of less than 2 hours. Other platforms like XXXX will not authorize new crypto address until a 24hr delay, will notify their customers of every transaction via email, yet I signed on to Coinbase because it is touted as the most secure and reliable crypto exchange.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a few months of travel I came home & began reviewing my bills. On XX/XX/XXXX I noticed EXPERIAN had been billing me {$19.00} since XXXX XXXX on my XXXX XXXX card. I had done a free trial & it appears they signed me up for a monthly monitoring service. I called their customer service number, their automated verification asked for very sensitive information over the phone to talk to a representative to cancel. I was put on hold for 70 minutes to speak to someone & could not stay on line any longer. Therefore, I emailed them for cancellation that same day. I didnt receive an answer from them until XX/XX/19, which stated they needed a Member ID # from an email I should have received to go any further. To date, I have never rec 'd any email from them. ON XX/XX/19 I sent that information back to them & on XX/XX/19 they asked for the same ID # to cancel. 
To end this vicious cycle with them I proceeded to cancel my credit card, so no further charges can be charged to my new card. This was the only way I could stop the charges. 
They appear to be a fraudulent scam, never allowing me to cancel, no matter how I tried. I have made every effort to cancel & they refuse to identify me, or cancel the membership. This, of course, is all through email, since you can not speak to any person over the phone. 
I am awaiting my new credit card statement to see if they were able to pick up my new number. When I cancelled my credit card I asked that no further autopay accounts be forwarded to my new card. So, if my statement shows their charge again for the month of XXXX, then I know they are a scam & have total access to all my pertinent information. 
The 2 emails I received from the emails I had sent were from PROTECTMYID. 
I have never received any credit monitoring emails from them or Experian, but have been charged $ XXXX/mo since XX/XX/19. 
I want to report them as frauds, scammers, & cancel whatever they have assumed I registered for. The contact numbers I have for them are : XXXX ( from their website ) support @ protectmyid.com ( from their website ) XXXX ( # that was on my credit card stmt, that rang busy @ all times ) Please advise me as to how I can get this cleared up. I have disputed the chgs on my credit card, but they received a " copy of sale '' receipt from Experian, so the credit card company would not remove the past charges. 
At this point, I have done all I know to do to cancel this service, which I did not ask for. I simply thought I was receiving a " free credit report '' when accepting offer. 
Please advise me as to how I cancel from this company, I am at a loss as to how else to proceed.
Product: Student loan

Edfinancial incorrectly input my check from XXXX XXXX XXXX 
The amount was supposed to be XXXX. Instead, they only credited half of it, which is XXXX for no reason on XX/XX/year>. I spent a year trying to resolve the issue. They said they found the record of the check and they indeed input the incorrect credit on my account. However, no action or credit was sent to my new servicer XXXX.
Product: Credit reporting or other personal consumer reports

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

Account # 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.

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