23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX allowed a fraudulent utility account to be opened in my name at an address I have never been associated with. 
And this fraudulent account has negatively impacted my credit report and caused financial harm. I never authorized, applied for, or used services at the address. 

And XXXX XXXX is still reporting the fraudulent utility in my name at an address I have never lived at, applied for service at, or been associated with in any way. This fraudulent account has resulted in severe damage to my credit score, making it difficult for me to access financial services. Despite multiple disputes, XXXX XXXX continues to report false and inaccurate information to credit bureaus, violating my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I HAVE BEEN AT THE SAME ADDRESS SINCE XXXX of 2019. 1. I am Requesting CFPB to intervene immediately and require XXXX XXXX to : immediately remove all false and inaccurate information from my credit report. 
2. providing a written letter confirming I have no responsibility for this fraudulent account. 3. Conduct a full investigation into how this account was fraudulent opened and provide me with a full related records. 4. Cease all further inaccurate credit reporting and ensure compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX my credit score went up on TransUnion XXXX points from XXXX to XXXX and on XXXX XXXX my XXXX score went up XXXX points from XXXX on XX/XX/XXXX XXXX to XXXX on XXXX XXXX then my XXXX score went down XXXX points on XXXX XXXX from XXXX to XXXX on XXXX XXXX no change then on XXXX XXXX my XXXX went down XXXX points to XXXX but it said they found no changes to my report on XX/XX/XXXX XXXX but on XXXX XXXX XXXX XXXX emailed and stated Transunion did a hard pull for XXXX XXXX which is now apart of XXXX XXXX on my credit report they said Transunion was in the process of removing the hard pull from my credit and fixing the related impact to my score Transunion did remove the inquiry but they didn't restore my credit score back to where it was my score dropped XXXX points on XXXX XXXX from XXXX to XXXX all this happened after the inquiry they never fixed my score they added XXXX points to my score to raise it to XXXX i would like TRansunion to fix my report back to where it was and i would like XXXX to restore my score and remove the collection on there from XXXX XXXX .. they keep saying its accurate and it isnt the account was opened in XXXX but they keep saying it was opened in XX/XX/XXXX i have proof that it was opened in XXXX
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I XXXX have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX TRANSUNION Account Type : Credit Card I am writing under my rights granted by the Fair Credit Reporting Act ( XXXX U.S.C XXXX XXXX ) and the Truth in Lending Act ( XXXX XXXX. XXXX ) to dispute inaccurate and unverifiable information that appears on my credit report regarding the account I hold with [ creditor name, e.g., Bank XXXX XXXX ], which has been marked as a " charge-off. '' Upon reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( TransUnion, XXXX, and XXXX ) : TransUnion : Highest reported balance : {$4200.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' XXXX : XXXX reported balance : {$0.00} Current balance owed : {$4100.00} Payment status : Closed, reported as " Charged off. '' It also states that the account was closed due to inactivity. 

XXXX : XXXX reported balance : $ XXXX balance owed : $ XXXX status : Closed, reported as " Charged off, '' and notes the balance was " reported as a loss by the creditor. '' These discrepancies show significant inconsistencies between the credit bureaus, particularly in regard to the high balance amounts and account closure reasons. According to XXXX, the account was closed due to inactivity, while XXXX indicates it was reported as a loss by the creditor. Furthermore, TransUnion provides different information about the high balance. This inconsistency violates the FCRA ( XXXX XXXX. XXXX ( b ) ), which mandates that credit reporting agencies ensure maximum possible accuracy when reporting consumer information. 

Additionally, under the Truth in Lending Act ( XXXX XXXX. XXXX ), I am entitled to clear and accurate information about my credit obligations and payment history, which is currently not being accurately reflected due to these discrepancies between the credit bureaus. 


I am requesting that, in compliance with the FCRA and XXXX, you investigate this dispute and remove the inaccurate information, including the charge-off, from my credit report. The conflicting data between the bureaus demonstrates 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 inaccurate information for your reference.
Product: Credit card or prepaid card

Received sealed Vanilla XXXX Visa Gift Card as gift. Recently opened sealed gift card for use and found that is was rejected, so I checked balance and saw that the card had already been activated a year before funds were loaded, XX/XX/XXXX, even though it was in sealed package. My gifter loaded {$250.00} onto card on XX/XX/XXXX, someone monitored that card and saw it was loaded and then used the entire balance the next day, XX/XX/XXXX. According to Vanilla XXXX, their gift cards can not be reloaded and newly funded cards can not be use until after 24 hrs. If their controls had been in place, this would have prevented the fraud from occurring. It seems odd that a sealed card that was activated a year before it was loaded would be quickly monitored and funds withdrawn the next day after it was loaded. I would not be surprised, if this was some highly organized scheme within Incomm, since I have found numerous issues reported by other consumers of funds withdrawn from these same gift cards after they were loaded and not action from Incomm.
Product: Mortgage

I have submitted multiple complaints and select portfolio refuses to address them- they have not provided legal standing to foreclose they have produced false documentation of which I have provided proof that they have forged documents - on XX/XX/XXXX compl # XXXX I provided information that they falsified a deed as well as a California Acknowledgment they still have refused to answers this complaint. Why wo n't they answer this complaint. I also submitted on XX/XX/XXXX and on XX/XX/XXXX # s XXXX and XXXX both complaints were also not addressed they simply provided the same documentation on both complaints however that documentation does NOT answer any of my concerns or complaints they are threatening foreclosure and do not have legal standing- they need to answer why they have falsified documents and produced a fake California acknowledgment they need to redact the foreclosure immediately
Product: Credit reporting or other personal consumer reports

I am writing to formally request the Consumer Financial Protection Bureau 's intervention in a matter that has significantly affected my financial health and peace of mind. This involves incorrect reporting by Experian and associated mismanagement by XXXX account erroneously appearing on my credit report. 

Despite my efforts to resolve this through the dispute mechanisms provided by the credit bureau, the information continually returns as " validated, '' even though no conclusive documentation such as a copy of my signature or proof of my authorization to open these accounts, or evidence of any transactions madehas ever been provided to me. This refusal to provide documentation and proper verification directly contradicts the requirements stipulated under the Fair Credit Reporting Act. 

It is critical to highlight that both accounts were written off and reported as income through 1099 forms. These debts have been canceled and recognized as income, they should not continue to be listed as consumer debts on my credit report. Failure to remove these items not only contravenes credit reporting standards but also continues to unjustly degrade my credit score.
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, Account name : XXXX XXXX # XXXX, Account XXXX : XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : US DEPT OF EDUCATION # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXXhas 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.

in accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a { {$1000.00} } fine. Note that a copy will also be sent to FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

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 ( 5 ), before the end of the 30-day 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Theres a incoming transaction in my Coinbase account that has been pending for more than 48 hours. It said that my USD will arrive by end of the day on XXXX XXXX, 2018. It has 300+ confirmations n still pending. I contacted Coinbase Support and all they said was my case was escalated to a specialist to review which might takes days to get to. I checked blockchain and it looked like the money went to my address and then went right out. Please help me.
Product: Vehicle loan or lease

The loan was paid off XX/XX/XXXX and they reported it XX/XX/XXXX 30 days late for XXXX dollars that caused my score to be effected they also still show I owe a balance and the loan was paid off when I traded the car in. This is not right and they wont update my credit
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit card

I consolidated XXXX credit accounts in XX/XX/2016 with XXXX. To the best of my knowledge, XXXX has consistently submitted the required minimum monthly payment to each creditor. I have utilized no credit in the interim. My last credit report ( XXXX ) indicates a 44 pt. drop ( XXXX ) and a 29 pt. drop ( XXXX ) in the past 7 days. Upon research, Capital One Credit retroactively reported three 90 - 119 day late payments for months XXXX - XX/XX/2016, despite clear documentation via XXXX to the contrary. Capital One has collected timely payments. This situation first occurred several months ago. After several conversations with Capital One representatives and a formal letter of dispute, it seemed to have been resolved. However, as of today my score and Capital One records are again indicating late payments. XXXX can only verify that payments have been made in a timely manner so, I 'm seeking third party assistance in resolving this situation.
Product: Debt collection

Contacted company by phone and by letter advised the account in question does not belong to me. Stated to the rep that XXXX has moved this account on to 2 other collection agencies have sent proof account is not mines. Rep advised account would be sent to the credit bureaus have tried to obtain a home loan being stopped by this collection affects my credit score.
other collection agencies have removed after finding info provided by XXXX were bogus.
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 ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently filled out an application to rent a house. When I received my Email from the rental place I was trying to rent from it stated that my rental history was declined.I then wondered why was it denied to to the fact that I have no rental history. I filed for a background screening report an once i received it I found that someone by the name of XXXX XXXX rented out of XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX in the amount of {$660.00} a month with an open balance of $ XXXX states that this person never gave proper notice of leaving the residence.I did not authorize this person or any other person to use any of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company and XXXX XXXX XXXX have argued and yet to fix the problem. XXXXXXXX XXXX XXXX has not updated my payment history since XX/XX/2020 and I continue to call daily and they continue to tell the bureaus there is no problem. There is a high balance of {$7600.00} when the credit limit is {$1500.00}. The payment history shows I have paid {$0.00} every month which is absolutely not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a agreement for {$1000.00} I have 6 payments of {$180.00} in change I already made 2 payments in currently have 4 more payments but on my report its showing another amount thats incorrect. That account is not delinquent if Im paying on it
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$5200.00}
Product: Debt collection

At approximately XXXX on Thursday, XXXX XXXX, a gentleman by the name of XXXX XXXX contacted my fiance on her cell phone. He said he was calling from XXXX XXXX XXXX and asked to speak to me. She informed the collector that I was not available. He then asked her if she wanted to discuss the matter. Without having her verify my info, he actually provided it to her ... He proceeded to tell her about a debt that I owe to XXXX XXXX regarding a XXXX XXXX account. She offered to make payments of XXXX dollars monthly and he told her that that amount was not good enough and that it would take forever to pay off. He then told her about other things that I was making payments on that seemed to be in good standing and could n't understand why I could n't be in good standings with them. My fiance was upset and did n't understand why he was bullying her about other bills. He disclosed my information to someone who is not even on the card and has no affiliation to the debt owed. He violated my rights and upset my 6 month XXXX fiance who was just trying to get us back on track with payments.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/2020 my husband and I applied for a personal loan with Lending Club, and we were approved. The next day, we decided we didn't want the Lending Club loan because we got a much better rate with a different company. I notified Lending Club on the phone and via email that I didn't want the loan and to cancel it. Well, they went ahead and deposited the loan proceeds into my checking account anyway, and then they withdrew the proceeds on or about XX/XX/2020. Lending Club confirmed via email that they were cancelling the loan and that it would take a " few days. '' In the meantime, Lending Club proceeded to harass me with phone calls and letters regarding making a payment on this loan, and they reported the loan account to the credit bureaus for my husband and me, even though we had cancelled the loan. I have made multiple phone calls to the company but they are not fixing this problem, and it just gets worse each day.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Fraudulent accounts reporting to my consumer report is not mine. I attached my ftc report, also FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand these account be blocked from my Experian, XXXX, and XXXX within 4 days of receiving this complaint. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX