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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I received a postcardstating that I recently closed on a mortgage with JP Morgan Chase and that I needed to contact the entity regarding an important matter regarding the loan. A phone number was given along with a mortgage id # I did not call the number and a disclaimer at the bottom of the postcard stated that the information provided was not affiliated with JP Morgan Chase. A copy of the postcard is attached.
Product: Debt collection

In XXXX the auto dealership steered me into a predatory loan with Global Lending. Global lending had subjectively higher interest rates with high probabilities of default. The loan was costly with unfavorable terms for any consumer. Over the years XXXX, I paid enough money to pay off the original asking price of the vehicle. Global Lendings interest rate and collection practices were abusive. They would call over ten times a day requesting payment. In XXXX, the pandemic affected our household income, and we could not afford to continue being a victim of Global lending. I was forced to voluntarily surrender my XXXX XXXX XXXX. More importantly, we were tired of the harassment by Global Lending because we knew that the harassment would get worse.

The significant matter, in this case, is that Global lending falsely reported the amount of {$15000.00} to the XXXX XXXX XXXX XXXX XXXX. I disputed the matter and requested additional documentation. Global Lending admitted that they reported false information and the amount was significantly lower. Since Global Lending was untruthful, I dont feel comfortable paying the amount reported to the credit bureaus. Global Lending credit reporting has caused a hindrance for credit, and I ask that it be removed. Since Global lending was caught being untruthful they should be willing to resolve this matter by canceling the debt and clearing my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, this company is reporting balances and i have never signed anything with them. 
XXXX/DEPT OF ED
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

I have a balance of XXXX student loan that I'm unaware of the name of the company is DEPT OF ED/ XXXX XXXX .
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX This account was reporting inaccurately. Please investigate this thoroughly and remove it accordingly. 
XXXX XXXX  XXXX XXXX I dont have any knowledge of this account. Please have this removed immediately. 
XXXX XXXX  XXXX I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I was unable to reopen the following complaint : XXXX, which I was not satisfied with. Because it was the second complaint about Coinbase and they still didn't respond to get my access to the funds, I felt stonewalled and stymied. 

Now, they have sent the following info, claiming that they will seize the account soon : " What Happens if I Don't Confirm My Details? 
If you do not complete the XXXX refresh process by XXXX, we are required by law to restrict your account. This means that you will no longer be able to deposit or trade cryptocurrencies on Coinbase until we can update your XXXX information. Any open orders will also be canceled. '' I have tried to confirm the details but I get numerous error messages when doing so. That is what I consider Fraud. 
I have included a screenshot of where I got stuck in the process of trying to verify my details. I should be able to complete the verification process without getting stuck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the old addresses for this navy federal accounts be removed and the accounts that are closed removed off my credit report. One navy federal account amount was XXXX and another account pertaining to navy federal was in the amount of XXXX dollars. These amounts were settled, closed and paid off.
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.

List of Unauthorized Inquiries : XXXX XXXX - XXXX 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 ) ( XXXX ) 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: Credit reporting or other personal consumer reports

Last year on XX/XX/XXXX  a capital one account was opened fraudulently using my information. I contacted capital one and notified them that it was fraud. After multiple disputes with capital one and the three credit bureaus every investigation they did apparently verified the information as correct. Of course the information is going to match mine because someone used it to open and use that account fraudulently! The charges happened in a nearby city that I wasnt even in at the time and the user was making minimum payments for about three months. I have no bank accounts that have been paying for it so someone else has. I have never had this card in my possession and I cant even access the online account because they use a phone number for verification. Whoever it was obviously used their number so I do not have anyway of getting any information about the account. Because I refuse to pay for a fraudulent account it got sent to a debt collection agency. I moved out of state at the time however so the court date got dropped. Now the account is showing up on my report as a charge off today! I am not sure what other steps I can take to have this account removed from my credit report permanently. I am certain that capital one is only doing a lazy investigation that does not dig far enough to uncover the information that doesnt line up. I even filed a report with my local police department at the time as well as a report with the FTC. At this point I am at a loss for what I am expected to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/29 I purchase 4 flight tickets totaling {$790.00}. Next day I called flight company to cancel one since this person couldn't make it to flight. Company refused to cancel. I contact American express to see which were my options. They said they would open a dispute for one ticket to be canceled. They didn't notify me of the findings days after. They just sent me a letter for a survey of the dispute that was already closed. I contacted amex to see the ending of dispute and they said it was on flight company 's favor. I called flight company and they said. They said my tickets were canceled due to amex saying transaction was not recognized ( I never said I did not recognize transaction [ i only wanted to cancel 1 ticket ] ) I called amex and they said they needed proof it was cancelled. Finally I got proof the whole transaction was canceled {$790.00} flight company sent me a letter. Amex made me write down additional letter with details. I did and included letter from flight company that states the transaction was canceled and still amex went ahead and charge me for that transaction that had been canceled. They are still charging me {$790.00} and they refused to solve my problem ignoring the fact that transaction was cancelled a month before " departure date '' and even flight company sent me a letter, Which was originally requested by amex and now still amex is charging me for a service that was completely cancelled.
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 Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXXL : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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: Credit reporting

Transunion is listing account from XXXX XXXX XXXX XXXX which is more than 8 years old since the last delinquincy.
Product: Debt or credit management

Hi, There was a collection on my account that was from XXXX {$120.00} on my credit karma report. When I clicked on my account they it took me to a company called credit sage to help with the collection. I called them and they said I will have to pay {$200.00} to take out the collection on my account which I payed and also the {$120.00} from XXXX. The lady told me that it will take 30 days for them to remove it from my account, a month passed by the collection was still on my XXXX XXXX. I called Credit Sage to get an update they told me that they are still working on it and to wait when it XXXX  days. I waited and I called again they said they are still disputing and to continue I will have to pay again I told them what the lady told me the first day, but they ignored. I tried explaining to them my financial situation that I cant keep paying and nothing was being done. They said that they will work on it, I payed but time them that, that was the last payment. And on XX/XX/year> I saw a charge again, I called them to get a refund because I didnt authorize that payment and besides they didnt fixed what they said they where going to fixed and they said they cant refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance to the credit fair law this creditor laws states I have privacy and they need written permission cant report late payments on my credit report so please remove these items
Product: Debt collection

I have have repeatedly requested Portfolio Recovery Assc to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law since this request in XX/XX/XXXX. 

I dispute the facts of this acccount- I do not owe the amount listed on this account. 

Portfolio is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. In XX/XX/XXXX they provided a monthly statement for XX/XX/XXXX with a ending balance of {$54.00}. XXXX XXXX XXXX  charged off the account of XX/XX/XXXX but neither XXXX XXXX XXXX   or Portfolio Recovery Assc can provide any accounting for the account from this XX/XX/XXXX Statement and the date Portfolio purchased this account XX/XX/XXXX Portfolio continues to state they purchased the debt from XXXX XXXX XXXX but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owed Portfolio Recovery ASSC recently reported to all 3 Credit Bureaus that I owe this debt when I disputed this XX/XX/XXXX. This is fraud. I have enclosed a copy of the documents of the statement that Portfolio Recovery reported to the government agency Consumer Financial Protection Bureau. They have reported to this agency that they have no documents that show this amount in their records
Product: Debt collection

The Bureaus Collection Agency has violated my rights in attempting to collect a debt they claim I have, I have paid this debt to XXXX XXXX in XX/XX/2019 which can be viewed on my credit report and shows as the debt was legally paid for less than the full balance. I received a letter from the Bureaus ( TBI ) attempting to collect on this debt and quickly sent a letter in response asking they validate the debt as I paid this debt off. I did not receive a response and as soon as I saw the Bureau added their account to my credit report I contacted them by phone. I was unable to speak to anyone when I called on multiple occasions and only received voice recordings that due to the pandemic they cant always answer. ( I have the phone records of my multiple attempts to resolve this ). I then filed a complaint with the XXXX XXXX XXXX  during which the bureau provided misinformation, and again failed to resolve this. This is negatively affecting my credit and should be resolved quickly. I dont know how else to resolve this issue other then filing this complaint or obtaining legal representation which will be my next course of action should I not achieve amicable resolution. Thank you.
Product: Mortgage

I received a notice that my new mortgage payment is XXXX. The following payment was not in step with this document. I refuse to payment this new amount and any late fees. This problem needs to be straighted out ASAP. They will not answering any questions about my account and the discrepancy with the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft for the last 2 years or so. I have sent the company and Experianan affidavit with FTC number and correct address. Experian has a identity theft mark on my report and still reports the item as current.
Product: Debt collection

I have no idea why I receive a call to my cell number on a daily basis. I have no debt to resolve. I have contacted the Frost-Arnett Co ( XXXX ) and have received nothing via text or email to confirm WHY they have been attempting to reach me by telephone for the last XXXX months EVERY DAY. I am meeting with my attorney to discuss this harassment and file a complaint with the XXXX. 

Can you help?
Product: Checking or savings account

I was scammed out of XXXX dollars by someone XXXX dont know and they took XXXX dollars out my account. I contact cashapp because the funds was pulled out of my linked bank account, they said they arent capable of doing anything about it. So I contact my bank to dispute it, they successfully do it and gives me a provisional credit while it was in the works, fast forward to yesterday cashapp wasnt pleased that my bank said it was wrong about the transaction and demanded the money back so cash app tried to pull the money from my link card without my knowledge. So since they couldnt do that, they charged my cashapp accountXXXX  saying I owe them after I sought for help and everything. Bad business and they are protecting the scammer instead of the person who lost their money more so. Please help. I also was getting paid by dXXXX XXXX dollars and it absorbed my money that was 3 hours of work gone from me towards this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went over my credit report and I found account that are not mines from a XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX   # XXXXI do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, Equifax, XXXX  reports
Product: Debt collection

My complaint is in regards to an erroneous collections account with Enhanced Recovery opened against me by XXXX in 2015. 

I never received notification of the collection account being opened, and when learning of it ~8 weeks ago after having my credit pulled for a home loan I contacted XXXX Support. They discovered the account was opened in error and had the balance ( about {$80.00} ) on the account set to {$0.00}. However the collections account still shows on my credit report as " Paid in Full '' even though I never paid ( XXXX had the balance canceled ) - I simply needed the account deleted as it is impacting my credit and my ability to close on a mortgage. 

I was told by XXXX support that I would receive written acknowledgment of the account closure, but this never came. I have attempted to get acknowledgment again but have been told that now that the account is closed there is nothing that can be provided, either in email or physical form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified TransUnion several times that my last name is being reported incorrectly. I send them a copy of my Drivers License, Social Security Card, and a Utility bill. So far they have refused to make the change on my file. Also I disputed two credit card accounts. The notation that they put on each of the accounts was just updated. They are in violation of the law. They did not put a statement on each of creditors listed below that these accounts are being disputed by the consumer. This is a clear violation of the law. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX  Attached is a copy of Credit report from TransUnion