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

I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

I have an Inquire from XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2016 which I do not recognize. I did not and have not approved this in any manner. This information  was reported incorrectly on my credit report and is affecting my score.
Product: Credit card or prepaid card

CitiBank closed our Costco Anywhere Visa account with NO WARNING based on, I believe, a statement about our being behind in our payments. ( I can no longer find that email. ) Reviewing our payment history since XX/XX/XXXX, the only payment missed was the XX/XX/XXXX payment. This payment was missed purely because of human error but no contact was made notifying us that the payment had been missed. 

When the XX/XX/XXXX payment was made, the payment was made in the amount of the required minimum payment shown on the account. 

This closure of our account as destroyed our credit score! 

I have attempted to contact CitiBank to no avail ( put on hold forever ). 

We do not care to have the account re-established but do need to find some way to resurrect our credit score!
Product: Debt collection

I received multiple calls from XXXX XXXX who refused to identify herself as calling from a debt collection agency and that the calls were in regards to collecting a debt. While doing my quarterly credit checks, I noticed a collections report on my credit report from Caine and Weiner and called the number. I was given the run around, XXXX hung up on me, I called back and spoke to multiple other agents who stated they " did not have the ability, or training '' to remove a fallacious report from my credit. I was told they would forward me to a XXXX named XXXX XXXX, but instead was hung up on again. I called back, spoke to XXXX XXXX who also after hearing my request put me on hold and subsequently hung up on me again. I called the number back and requested a debt collection validation notice, proof that I was in fact the debtor in question since they mentioned an inaccurate address and email, and an immediate removal of the inaccurate collection. They also mentioned that they received my information from the original debtee ; XXXX XXXX XXXX when questioned on how that was possible as I have no affiliations with any solar companies, they backtracked and stated they got my name ( which was also incorrect, as they did not address me by my suffix ). When asked how they got my number, last XXXX of my social, and date of birth, they apologized for receiving inaccurate information from the debtee and never acknowledged how they acquired my personal details. They refused to answer my questions about the debt collection validation notice stating they could not share any information with me. I filed a dispute with XXXX and am awaiting the results.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I performed Coinbase transactions and these transactions have not been updated to my account after Coinbase issues when I was attempting to log in the first week of XX/XX/year>. 

My Coinbase account was entirely removed after Coinbase generated an appleid email address that was not linked to my email address. 

On XX/XX/year>, I contacted Coinbase via live chat to request that that the account be verified as being open, to request that the account be closed entirely and the funds in my account be returned to me via mail. 

The Coinbase support personnel stated that he could not close the account as requested.
Product: Credit card or prepaid card

Capital one placed restrictions on 2 of my credit cards and changed credit cards and refused to send me new credit cards once they was completed with fraud investigation. They also reported false information to credit bureaus that my accounts was past due. I have contacted capital one fraud management to try and resolve this matter. Capital one is taking money automatically out of my bank account monthy for my payments. This is so unfair to me as a customer. If capital one dont send me new credit cards and remove restrictions from my cards, I will not be paying them any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XX/XX/XXXX, XX/XX/XXXX and Experian. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s )  would be removed but, XXXX, XXXX and Experian has failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

Equifax XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive asked all three credit XXXX to delete account : XXXX XXXX due to improper credit reporting under my FCRA rights that they have broken, they have continuously ignored the request and keep sending the investigation and collection back as ACCURATE when its not. 
This account was charged off which means it should not be reporting a past due balance or a balance. This dead account is also adding internet when it was already written off for {$3900.00} WITH A PAST DUE BAPANCE OF {$7600.00} so how can a CHARGE OFF collect interest and have a past due balance when they release this debt to a third party collection agency, An account can not have a payment history when the account is considered a " dead account. '' Remove ( XXXX XXXX ) from my credit report because you are continually reporting charged off status in the payment history all the way until ( XXXX XXXX ) when this account has been charged off on ( XX/XX/2020 ) You can not report a payment history on a dead account as it falsely manipulates the statute of limitations on when this account is supposed to fall off my report Because of this apparent neglect in assuring everything in my reports accurate consistent and up to date please " DELETE '' this item immediately : XXXX XXXX When the requested above deletions are made, please mail me an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit report and identified inaccuracies with several accounts : XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX XXXX ( Account Number : XXXX ), and XXXX XXXX ( Account Number : XXXX ). I disputed these accounts, but despite updates and verification, the information remains inaccurate. I requested detailed documentation of how these accounts were verified, but did not receive sufficient evidence. These inaccuracies have resulted in a lowered credit score and have negatively impacted my ability to secure credit. Under 15 U.S.C. 1681e ( b ), they are required to ensure maximum possible accuracy, which has not been met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed all of the following and sent it to Equifax through certified mail. 

XXXX ) Identity Theft Victims Affidavit completed and notorized with police report 2 ) Included proofs of my identity ( Driver 's license, social security card ) 3 ) Included copy of section 605B Fair Credit Reporting Act 4 ) Included copy Equifax credit bureau section with items of dispute circled. 

Equifax is not abiding by federal law and is taking advantage of consumers.
Product: Debt collection

My Wife, XXXX XXXX XXXX passed away back in XXXX XXXX 2014 and Credit Systems from XXXX MT has sent me a letter saying I owe an amount of {$8600.00} all from medical bills she built up before she got on Medicade in XXXX. The account number is XXXX under XXXX XXXX. I had just paid off my own debts and plan to move to XXXX within the week of this submission. And simply can not pay and debate on filing for bankruptcy.
Product: Credit card

Fraud on my account from this company Account Info Account Name CBNA Account XXXX XXXX XXXX
Product: Debt collection

Pinnacle Credit Services is repeatedly calling my mother-in-law, threatening that I am going to jail. I have never received verification or validation that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received several alerts starting XX/XX/XXXX stating that several inquiries have been hitting my account that I have not authorized.
Product: Debt collection

I am writing to formally request the removal of a collection account that has been sold to another agency.

1. Inaccurate Reporting The balance is incorrect and it was never written off with that balance to my knowledge and is incorrect. Under FCRA 1681s-2 ( a ), furnishers must report only accurate information.

2. Failure to Notify I was not properly informed before this negative mark was placed on my report, violating FCRA 1681s-2 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed credit card account with Experian listed on my Experian XX/XX/2022 credit report copy in XX/XX/2022 that the account IS NOT MINE. I contacted the credit card company prior to disputing credit report and the credit card company confirmed the card IS NOT MINE. Experian claims the information is correct and that credit card is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND XXXX HAS ALREADY BLOCK FRADULENT ACCOUNTS FROM MY CREDIT REPORT. EQUIFAX HAS NOT YET HONOR MY IDENTITY THEFT. I LOST MY INFO IN XXXX MO, XXXX, XXXX, AND EQUIFAX BREACHES. THIS IS BREAKING MY LIFE APART. 

FRADULENT ACCOUNT ARE XXXX XXXX XXXXXXXXXXXXXXXXX XXXX $ XXXX XXXX XXXX XXXXXXXXXXXXXXXX XXXX $ XXXX XXXX XXXX  XXXXXXXXXXXXX XXXX  $
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I had a joint account with Regional Acceptance Corporation that was charged off XXXX. 

Per my credit report, it states the debt owed is {$3000.00}. This debt is not reported on my spouse 's credit report It was a joint loan ), and they are not responding to calls at XXXX to obtain a copy of the debt so I can try to settle the debt. I have left messages on the general voicemail and a message with XXXX XXXX, the XXXX  XXXX. 

This is not my first time trying to settle this debt. I tried to resolve this debt in XXXX, XXXX. 

I have tried to dispute the debt, and they report back to the credit bureaus but not to me. 

I want them to respond to my inquiry and see if an arrangement can be met. 

My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX Acct # XXXX last XXXX XXXX Joint with XXXX XXXX XXXX XXXX Any assistance or guidance is appreciated.
Product: Checking or savings account

I received an email from XXXX XXXX at XXXX, my cabinet company, it had attached to the email an ACH instruction to transfer the funds for the cabinet delivery that was coming to NY for our client. 
I sent it on the Capital One client portal on XX/XX/year>. The email said XXXX was on Vacation so I didn't call them to confirm all the information prior. I got a call from XXXX saying she didn't receive the money, and that's when I went back to the email and sent her what I had received. Then I got XXXXXXXX XXXX XXXX XXXX XXXXealizing that her email was hacked and someone else ( scammer ) sent their information on the exact letterhead etc from XXXX There was a phone number that was on the ACH instructions, so I called XXXX XXXX and no one answered. She sent me the actual wire information which was almost identical so I do feel that it was an inside job, because how would then know the XXXX  process and have all the correct verbiage etc. etc. 
Capital One Bank, restricted our account because our information was in the hands of a scammer. We opened a new checking account, we have been a customer of theirs for 30 plus years and expected them to no hold all the monies up for a week, so everything from the old account bounced as well as all the checks in the new account. They also denied our fraud claim because we input the incorrect information on our portal, so they felt it wasnt ' their fault. I have reported to the FBI, FTC and now you folks.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding incorrect information on my credit report held by Equifax. On XX/XX/XXXX, I contacted Equifax regarding the following inaccuracies in my credit report. To date, I have not received any response from them. I am providing the details of the inaccuracies and the necessary corrections required : The account with the following details was never late : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Please correct/update this inaccurate information on my credit report. 

The account with the following details was never late : Creditor : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$21000.00} Please correct/update this inaccurate information on my credit report. 

The account with the following details is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Original Creditor : COLLECTION Please remove it from my credit report. 

The account with the following details is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Original Creditor : COLLECTION Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act. The lists of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, STUDENT LOANS XXXX XXXX, AND XXXX/XXXX. Closed account XXXX opened XXXX we now in XXXX still on my credit report. XXXX also open XXXX still reporting negative activity 15 U. S. C. 1681 section 602 A. States a consumer reporting agency can not furnish a account without written instructions. 

15 U.S.C. section 604 A. no consumer reporting agency make any consumer report containing any of 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. 1681c ( a ) ( 5 ) Section States no consumer reporting agency make any consumers to any consumer reporting agency if the person knows or reasonable cause to believe that the information is accurate.
Product: Student loan

XXXX  XXXX XXXX has misinformed me about my loan for the life of the loan which originated in XX/XX/XXXX. I was not made aware of various forgiveness programs that would have significantly reduced high payments/ interest. Instead I was ALWAYS advised and encouraged to place my loans in forbearance. Recently, I have tried to reduce my payment and was given the run around by XXXX  XXXX XXXX to the point where I hired a third party student loan advisor that provided me with much more information about the government programs that were available to me, something the Fed Gov has enlisted XXXX  XXXX XXXX to do. Due to their inept mismanagement of my account. I have accrued alarming interest rates on what once was a modest loan. Just one example of this is while being given the run around to be placed on an affordable payment plan via a programs available, I was charged {$25000.00} in interest between XX/XX/XXXX - XX/XX/XXXX ( Yes that's one month ) which seems virtually impossible when you consider my original loan amount was for XXXX back in XX/XX/XXXX. I have been repeatedly lied to in an effort to tack on the erroneous capitalization of astronomical interest rates. The most recent case of mismanagement and fraud from this company is a XXXX opt -out fee I agreed to pay with my debit card to finally get on an affordable repayment plan program, that I have been trying to get approved since XX/XX/XXXX. ( during which time my credit score significantly dropped and XXXX interest accrued. ) This company not only charged me XXXX but also charged me {$280.00} an amount that I did not authorize. I called them and the rep has no idea why I was charged that amount ... If I had not caught this fraudulent charge I would have taken the hit ... meanwhile I spoke to a supervisor who had to of saw the charge and mentioned nothing about it. I would like for the CFPB to look into this matter for me because what XXXX  XXXX XXXX is doing is completely predatory and criminal.
Product: Credit reporting or other personal consumer reports

XXXX. Improper notice that I changed to a new address. 
XXXX. This affected my credit scores from all three companies. 
XXXX. Once corrected information was deleted by experiean, they did not put back the XXXX points that my score went down because of the error reported new address. 
XXXX. I have made repeated attempts to talk to someone at experian but just keep getting voice prompts. 
XXXX. There isn't any way I can state in writing or otherwise to get my credit score back to where it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO ME THAT I HAVE NO KNOWLEDGE OF NOR BENEIFITED IN ANY WAY FROM THESE ACCOUNTS AND INQUIRIES
Product: Student loan

In XX/XX/2008 I attended a trade school at the XXXX The original tuition to attend school there was around {$20000.00}. I took out the cost of the tuition from XXXX now known as Navient. After I had graduated I had difficulty earning money due to harsh economic times and a difficult job market. After speaking with XXXX they gave me the option for forbearance. After more years of struggling the interest on this loan has gone far beyond the principle balance to more than double at around {$54000.00}. I have spent the last XXXX years going back to school to earn a XXXX at XXXX solely so that I might be able to pay back this loan. From reports that I have heard about on the news, It has come to my attention that given my circumstances, this accruing this much interest could have been avoided but due to XXXX/Navient 's deceptive practices I am currently in the situation that I am now. I am filing this complaint in hopes that some sort of resolution can be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have old or out dated information appearing on my credit report that I need deleted/removed it is mot accurate. 
My name is XXXX XXXX XXXX please remove any variations of my name. 
My current employer XXXX  XXXX XXXX XXXX XXXX The following addresses are not mine/inaccurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed that PHH Mortgage Services reported that my mortgage loan increased by {$98.00}, causing my credit score to drop 30 points on XXXX and 31 points on XXXX. The loan amount that was reported on my credit reports was {$57000.00}. The correct amount according to XX/XX/XXXX 's PHH Mortgage Services Statement is {$57000.00}. On XX/XX/XXXX, I submitted a dispute to XXXX, XXXX, and XXXX to reach out to PHH and investigate the issue. On XX/XX/XXXX, XXXX concluded that PHH reported the loan amount to be accurate. And on XX/XX/XXXX, Transunion concluded that PHH. The dispute for XXXX is pending. The incorrect balance is still on my credit reports for XXXX and XXXX, and the issue has not been rectified.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX