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

XXXX XXXX  - XXXX XX/XX/2020 XXXX 1 Late Payment is an error reporting on my credit
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 XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Checking or savings account

Coinbase wont allow me to login, their support keeps telling me to do the same steps that dont work. Their ID verification system doesnt work and nobody will help me get access to my account. They tell me to go through the steps to verify my ID but they fail to verify and wont tell me why. Im considering my funds stolen since they wont allow access to my own account. Impossible to talk to an actual human, had to seek Coinbase support on XXXX which was a broken record telling me to do the steps over and over. Terrible customer service, worse than terrible its nonexistent.
Product: Debt collection

This complaint is written in reference to a Midwest recovery system LLC acct # XXXX listed on my XXXX major credit reports illegally, in regards to a collecting a debt I do not owe. I have sent request for validation via USPS certified mail/ return receipt requested at the beginning of XXXX XXXX. I have not receive any response! According to the Fair Debt Collection Practices Act, a debt must be 100 % true and accurate. This company has place their name Midwest Recovery Systems acct # XXXX on my XXXX, XXXX, and XXXX reports without validation. The original creditor XXXX whom this company is attempting to collect false funds, have misapplied any payments I may owe. To my understanding I had a checking account with XXXX back in XXXX and I close the account in XXXX, due to limited supply of branches. I wanted to join a bank that was bigger, However, I did not leave the company XXXX with any outstanding balance. Neither was I ever inform of having a balance with them. It has been 6 years since I banked with XXXX whom this company Midwest Recovery System LLC is attempting to collect funds. I have been trying to resolve this matter amicably with this company. Failure to comply to FTC regulations regarding debt collecting and credit reporting will result in a small claims legal action against this company Midwest Recovery Systems at my local venue. I will be seeking a minimum of {$5000.00} in damages for : Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). This company will be required to appear in a court venue local to me, in order to formally defend themselves. This notice is an attempt to correct this company records, any information received from this company will be collected as evidence should any further action be necessary. This is a request that this company Midwest Recovery System cease there illegal collection attempt and request removal of there company name from my XXXX, XXXX, and XXXX credit reports immediately. I had a similar case against a collection agency and XXXX whom the collection agency was trying to collect illegal funds. I took them to small claims court and was awarded {$5000.00} from each company. This matter is urgent and should require your immediate attention. I am now prepared to file a small claims judgement against your company. I have been maintaining a careful record of my communication with you for legal purposes only. Dependent upon this company response, I may be detailing any potential issues with this company via an online public press release, including documentation of any potential small claims action. Further more, if this debt was valid, the statue of limitation ( SOL ) expires 6 years in my state. Which is another violation I can file charges against this company Midwest Recovery System. I close this account in XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identification is being used for car shopping online which I wasn't nowhere as multiple hard inquiries for the same car lot multiple times a day I'm surprised the bank didn't even look at that I tried you been XXXXXXXX XXXX they weren't doing anything I did dispute letters with XXXX XXXX told me that I had to call the consumer phone consumers are saying XXXX put it on there
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted disputes with XXXX, Equifax and XXXX : this issue has not been resolved. I have never opened a line of credit and a through investigation will prove that. There was an additional address and phone number listed on my credit report that I have never used and do not belong to me. Lines of credit were opened under my name and without my consent and my credit has suffered as a consequence. I am XXXX XXXX military and travel often, my social security number is listed on many military documents. It is for all these reasons that I have concluded that fraud has been committed through identity theft.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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: Mortgage

I have filed a complaint in the past regarding Wells Fargo utilizing wrong information to calculate my request for a loan modification so I could keep my house after my divorce. Due to this error, which really should be checked into for private investor loans not just XXXX, XXXX, and XXXX, my house was put into foreclosure as I had to stop paying in order to procure a short sale that the divorce courts ulitmately ordered because Wells Fargo would not work with me to get my ex husbands name off the loan. Ultimately, during the right to reinstate period I ended up with a short sale in XX/XX/XXXX. 

I have just been notified that my " LOAN '' was sold to XXXX XXXX XXXX XXXX effective XX/XX/XXXX, 3 months after the approved and closed short sale. I have been in touch with XXXX XXXX XXXX XXXX XXXX XXXX as well as a general Loss Mitt representative regarding the sale of the house multiple times already. Now they are threatening foreclosure and hurting my credit rating instead of doing their due dilligence. 

Between Wells Fargo and XXXX XXXX XXXX, I have incurred more XXXX issues and feel this is Wells Fargo retribution against me because I have filed multiple complaints against them. This is causing additional stress to myself and my family not to mention now I have to watch my credit for false reporting AGAIN!!!! This is continues Harrassment on the part of Wells Fargo and now XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May Concern, I recently receive a copy of my ( XXXX, XXXX & TransUnion XXXX credit report and noticed some late payments posted on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Your company is in clear violation of the law. Under 15 U.S.C. 1666 ( b ) -permissible purpose of a consumer reports. THE LAW CLEARLY STATES.

( a ) IN GENERAL Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer report to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S.C. 16681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subjects to section 1681s-3 of this title any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payment from my consumer report, this agency is in violation of 15 U.S.C. 1668. 
Failure to respond satisfactory with deletion of the above referenced account, and sent out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also {$1000.00} per violation fee. 
1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity fraud 3. Fair Debt Collection Practices ACT 15 U.S.C. 16692g violations 4. Fair Credit Reporting ACT U.S.C. 1681 violations for willful noncompliance- 616 Civil liability for willful noncompliance [ 15 U.S.C . 1681n ] Sincerely, XXXX XXXX
Product: Debt collection

I am writing to dispute the account referenced above currently appearing on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g ( a ) ( 2 ), I am demanding that you provide me with the name of the creditor of this account.

Furthermore, pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting validation of the amount of the alleged debt and how this amount was calculated. Please note that this is solely a request for validation of the AMOUNT of the alleged debt, as mandated by 15 USC 1692g ( a ) ( 1 ).

Below are the details of the account in question : Account Number : XXXX High Balance : {$1900.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Canceled by credit grantor Original Creditor : Not available Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : Not applicable Past Due Amount : {$1900.00} Account Type : Credit Card Payment Frequency : Not applicable Credit Limit : {$2000.00} I request that you provide the following information : The name of the creditor associated with this account.

The amount of the alleged debt.

A detailed breakdown of how the amount of this alleged debt was calculated.

Please be advised that failure to comply with these requests may result in further action to protect my rights under the FDCPA and the Fair Credit Reporting Act. 

I expect a response within XXXX  days from the receipt of this letter, as required by law. Your cooperation in this matter is appreciated. 

Thank you for your prompt attention to this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ( AKA ) XXXX XXXX is inaccurately report a loan # XXXX as " Derogatory '', " Payment Plan '', and " Included in Chapter XXXX ''. This is absolutely false. The loan of {$350000.00} was originated with XXXX XXXX on XX/XX/XXXX and transferred to XXXX loan # XXXX on XX/XX/XXXX. 

My Chapter XXXX was not filed until XX/XX/XXXX. 

XXXX had been paid a year before the Chapter XXXX as the mortgage loan was transferred to XXXX. XXXX had nothing to do with the Chapter XXXX, yet the company continues to falsely report inaccuracies and impinge on my credit. 

I completed my Chapter XXXX in 2 1/2 years on XX/XX/XXXX and paid all my creditor 's claims in full.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Given the negative impact on my creditworthiness, I am requesting the removal of these incorrect items from my report. 

Please let me know if you require any additional information to proceed with the investigation. I appreciate your time and assistance in resolving this matter. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Items where illegally ran on my credit. Not giving consent to do so by me.! 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 or other personal consumer reports

Its incredibly disappointing that unauthorized inquiries have appeared on my credit report, and I have no idea why. I routinely check my report, but suddenly there are discrepancies. I tried refreshing the page to see if it was a simple error, but the inquiries remained. Im deeply frustrated, and I urgently request a thorough review of the documents Ive submitted so I wont have to deal with this again.
Product: Credit reporting

I had fraud items removed from equifax has put them back on with out any notice regarding that they were going to re insert the items. Each company that pulled my credit can show that they were not on my credit and you can see the date from when they were open from XX/XX/XXXX and XX/XX/XXXX these accounts are fraud i sent in my police report and FTC AFFDAVIT signed and notarized years ago regarding these accounts. They claim they ca n't find my documents but these accounts were removed from my credit a long time ago they are breaking the law and XXXX to me about these accounts. 

They have split my file and now i ca n't even get a score because of what they are doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello I am filing a report regarding my credit file on all 3 bureaus. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. 


Name of Account | Account Number | Provide Physical Verification XXXX XXXX XXXX XXXX  | XXXX | Unverified Account XXXX | XXXX | Unverified Account XXXX XXXXXXXX | XXXX | Unverified Account XXXX XXXX | XXXX | Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You,
Product: Credit reporting

XXXX consumer complaint for same issue. 
There was no explanation given why I answered XXXX questions as someone else to obtain my credit report. There needs to be actual communication with me, the consumer, and resolution. It is unfair to close this by saying " it appears you are not being confused with someone with a similar name '' when I clearly am! 

You need to look at the XXXX initial security questions the online site asked. In my first attempt, I could not log on answering the questions as myself. I tried again about XXXX hour later and XXXX of the XXXX questions were geared for my sister in law, XXXX XXXX XXXX. ( XXXX XXXX did you live in 2002, answer XXXX XXXX, XXXX, what was your phone number, all XXXX area code numbers ; I have NEVER lived in XXXX, she just moved from there!! ) I consulted with her and successfully answered them as she advised me. I was then given a XXXX additional security question regarding the type of car I currently own. The correct answer was a Ford Fusion, which is what SHE owns, not ME! 

I agree I was eventually able to log on and check my free credit report the 2nd time answering the questions as her, not me. I do n't believe Trans Union has done enough at all to verify where the confusion IN THEIR SYSTEM is from. Please research, fix it, and advise. Thank you.
Product: Credit card or prepaid card

This is a typical experience I have been going through for years, but reached a new high this time. I have preserved the recorded phone message that I got an hour ago from ( XXXX ) XXXX " unavailable '', stating that Amazon received a purchase order for {$790.00} from me. I did no such thing and did not call the number back. I will independently try to contact Amazon later to ascertain whether such a transaction took place. Since I have not heard directly from Amazon, I feel that this is a spoof call -- but am not sure. I get dozens of these calls per week and, frankly, ignore all of them or hang up the phone once I do not recognize the number and/or listed " unavailable ''. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XX/XX/year> : XXXX XXXX  XX/XX/year> : XXXX XX/XX/year> : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Payday loan, title loan, or personal loan

Hello when I enquired the link I had given my details and applied for a loan. The company had within minutes approved my loan and moved funds to wallet wherein they are requesting me to withdraw and use. Please want to cancel this loan and delete the app. Please help me cancel the loan and also the scam.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handlings of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate has not only neglected to protect consumer but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Mortgage

Applying for a mortgage and credit report came back stating that Compass Bank reported I have been delinquent on loan since XX/XX/XXXX. This is not the case. Compass Bank Home Equity Line of Credit account number XXXX was closed XX/XX/XXXX. This is reporting on credit as a new delinquency when delinquency occurred XX/XX/XXXX. I filed a complaint with XXXX in XX/XX/XXXX as I uncovered Compass Bank was reporting I owed {$21000.00} a month - hurting my DTI. They corrected this issue as it now reports I owe $ XXXX but created a new problem as the date of my last delinquency is now reflected as XX/XX/XXXX - the date they corrected the $ XXXX reporting. The date of my last delinquency should be reported as the XX/XX/XXXX date, not the date they corrected my original concern. 

Please help.