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

I submitted a complaint on XX/XX/XXXX, to XXXX and XXXX regarding false information reporting on my credit report. XXXX has responded to the case ; Complaint ID : XXXX. I attached the document from XXXX regarding the bankruptcy that has been removed from my report since XX/XX/XXXX. 

XXXX informed me in XX/XX/XXXX, they received verified information from XXXX and this is why they did not remove the bankruptcy reporting from my credit report. 

XXXX has not provided any response to my other complaint ; COMPLAINT ID : XXXX. 

I am officially requesting XXXX to provide XXXX with updated copies of my consumer report since XXXX is falsely accusing XXXX to verify such information that does not exist. 

Per XXXX " Although XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), a XXXX Company, sells public records in bulk to a variety of customers, including consumer reporting agencies such as Equifax, XXXX, and XXXX, XXXX XXXX XXXX role is limited to providing its customers data it retrieves from courts, including updates to existing records. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I sent a certified letter on XX/XX/XXXXit was signed for on XX/XX/XXXX, requesting validation of debt owed, and my signature, or they needed to delete the debt from my credit reports. All they sent back that was dated on XX/XX/XXXX was a letter stating the debt was valid, and a statement that was dated back in XX/XX/XXXX/XX/XX/XXXX for the Seller- XXXX XXXX XXXX Merchant-XXXX XXXX. 
Since they also marked the account disputed and never sent me actual validation, and they can not prove this is my debt, this is a violation of the FCRA & FDCPA, so they must delete it.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I contacted Coinbase about being unable to log into my account. I needed to have a recurring purchase halted as I was not able to sign into my account. 

On XX/XX/XXXX, Coinbase responded saying they would look into the issue. This was the last message I received from Coinbase that was not an automated message. Despite numerous attempts to contact Coinbase about this issue, there has been no actual response.

Since then, there has been a {$200.00} biweekly withdrawal from my bank account ( {$200.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to purchase ETH. As I have no way to access my account and explicitly stated that I did not authorize these purchases, I have to assume that Coinbase has scammed me out of my money and is committing some sort of fraud by continuing to make purchases that I did not authorize.
Product: Credit reporting or other personal consumer reports

XXXX is reporting inaccuracies to my consumer report. My address is inaccurate also. Charge Off Accounts is a forgiven debt.

Income can not be reported on my consumer report. 15 USC 1681 ( e ) B States ( b ) Accuracy of report. 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. 

XXXX. XXXX XXXX XXXX Account Ending in ... XXXX ) Account XXXXtatus : Reported as charged-off with a balance of {$340.00}.

Issue : I have not received a 1099-C form from this creditor for the cancelled debt. According to the IRS guidelines, a 1099-C should be issued for any debt over {$600.00} that has been canceled, discharged, or forgiven. The absence of this form has led to potential tax implications that I am not prepared to address.

Request : I request that you verify with the creditor that the 1099-C form has been issued for this account and provide me with proof that it was sent to my correct address.

2. Syncb / Care Credit ( Account Ending in ... 9680 ) Account Status : Reported as charged-off with a balance of {$1300.00}.

Issue : Like the account above, I have not received a 1099-C form for this account despite the debt being forgiven. The creditor has violated the IRS reporting requirements by failing to issue the form.

Request : Please confirm with the creditor that the 1099-C form was issued and provide documentation of this form being sent to me. 

XXXX. XXXX XXXX XXXX XXXXXXXXXXXX XXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2600.00}. 
Issue : No 1099-C form has been issued for the canceled debt, which violates IRS regulations .

Request : I request confirmation that a 1099-C form was issued and sent to my correct address by this creditor. If not, this failure to report is a violation of both tax law and my rights under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Account Ending in ... XXXX ) Account Status : Reported as charged-off with a balance of {$2300.00}. 
Issue : There is no record of the required 1099-C form for this debt cancellation. This oversight has resulted in an inaccurate representation of my financial status.

Request : Please provide evidence that the 1099-C form was issued for this debt or request that the creditor issue the form immediately.
Product: Debt collection

I have sent multiple letters requesting a validation of debt. I am being sent information that does not validate that the debt is indeed mine according to the law. A statement with a list of charges and/ or a balance on a letter head is not sufficient validation.
Product: Debt collection

This debt collection company filed a collection account to my credit report. I do not recognize this debt.
Product: Credit reporting or other personal consumer reports

I am aware of all rights that I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 accounts name XXXXXXXX XXXX account # XXXX account name XXXX XXXX account # XXXX account name XXXX XXXX XXXX  account # XXXX account name XXXX XXXXXXXX account # XXXX
Product: Student loan

On XX/XX/2020, my student loan servicer notified me that payments for my loan were temporarily suspended due to legislative action effective XX/XX/2020. The servicer collected payment from my bank account on XX/XX/2020 after the effective date of payment submission but, before they notified me that payment was not required. On XX/XX/2020, I requested by electronic message on their website that they refund the {$450.00} payment that they collected on XX/XX/2020. They did not respond to this request. I made a second request for refund on XX/XX/2020 by written letter. The servicer responded on XX/XX/2020 with a form letter denying my " credit dispute. '' I did not make a credit dispute but, I assume the servicer 's intent was to deny the refund that I requested in my letter of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX WY XXXXXXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$7300.00} ; XXXX XXXX  XXXX XXXX XXXX : {$150.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$170.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Debt collection

I C SXXXX COLLECTIONS # XXXX XXXX , MN XXXX XXXX Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$450.00} Date Updated : XX/XX/XXXX Original Amount : {$450.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due XXXX {$450.00} XXXX Pay Status XXXX In Collection XXXX Remarks : ACCT INFO DISPUTED BY CONSUMR XXXX PLACED FOR COLLECTION XXXX Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Checking or savings account

Today I filled out an online application to open a savings account at XXXX, a subsidiary of Webster Bank. My application was declined with no explanation except " we were unable to verify your identification ''. When I called them, they speculated on several possible reasons, but they were unwilling or unable to tell me how to resolve this issue. So I went through the entire process a second time and got the same result. 
There was absolutely nothing wrong with my application. Everything is correct. My credit scores are XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I discovered that Experian was reporting an alleged Bankruptcy on my credit report known as : BANKRUPTCY CHAPTER XXXX-FILED, XX/XX/XXXX, {$0.00}, XXXX, XXXX XXXX XXXX XXXX, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth which is required. There is NO mentioned whether this alleged Bankruptcy was dismissed or discharged which clearly proves it at best is an incomplete filing therefor violating both State and Federal Law. 

On XX/XX/XXXX I sent Experian a letter ( see  attached ) using Certified Mail and not only disputing this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate it. The response I received from Experian was they verified it with XXXX XXXX. I contacted XXXX XXXX and they replied telling me that there is NO information in their system with regard to this alleged Bankruptcy ( see enclosed letter from XXXX XXXX ). It 's important to note here that NONE of the other Credit Bureaus are reporting this erroneous reporting ( see attached Credit Reports from XXXX & XXXX ). 

In the event I need to file a Federal Law Suit in order to get Experian to remove this erroneous filing I thought it wise to contact the Federal Bankruptcy Court to see what their policy and procedures are when supplying information to Experian and their reply letter to me was very clear that they DO NOT supply Experian with any information. 

On XX/XX/XXXX the ( 3 ) main reporting Bureaus, XXXX, Experian and XXXX agree as part of a settlement with several Attorney Generals throughout the Country agreed to insure accurate and complete reporting including, name, address, social security number, date of birth and were ordered to delete any files that were not in compliance. Not only is this filing erroneous it is missing ALL of the above mentioned requirements and there is nothing saying wether this alleged Bankruptcy was discharge or dismissed nor is there a dollar amount which is also required. 

I respectively demand that Experian delete this erroneous filing and send me a letter of that deletion for my files. 

Thank you for your kind consideration. 

Respectively, XXXX XXXX
Product: Payday loan, title loan, or personal loan

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Phone : XXXX To whom it may concern : Im writing in reference to a 30 day late payment listed on my XXXX and XXXX   Credit reports in XX/XX/2017 The card in which I made the payment on had fraudulent activity which caused overdrafts on my account and the payment I made to Conns being returned. The late payment was forgiven then they reversed it back to reflect a 30 day late payment. I ask that the late payment be forgiven as this unfortunate fraud incident was out of my control. All my payments other than that payment has been paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/XXXX, XXXX, Experian, andXXXX has not responded to my dispute. It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. Please block the noteworthy of any unknown Items in my credit record that came about due to an alleged fraud : XXXX XXXX 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 XXXXXXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( i ) promptly notify the furnisher of that information that the information has been modified deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix it.
Product: Credit reporting or other personal consumer reports

EQUIFAX is violating my consumer rights. They are fraudulently letting XXXX XXXXXXXX management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on EQUIFAX for failure to investigate as I'm a federally protected consumer. I will also be reporting both EQUIFAX and XXXX XXXX to the IRS filling out form 3949- A information referral for unreported income since EQUIFAX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX XXXX attached proof that XXXX  XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX XXXXXXXX pays EQUIFAX to report inaccurate information and EQUIFAX refused to give me a fair investigation for their financial gain.
Product: Debt collection

I obtained a title loan on a vehicle dated XX/XX/XXXX. Since that time I lost my job and fell behind on payments. I received a letter from the loan company on XX/XX/XXXX telling me that I had defaulted on the loan and demanding I give the vehicle to them or I would be criminally and civilly prosecuted and face 2 years in prison and {$150000.00} fine. 
A few minutes later an elderly family friend of mine called me hysterically and read to me a letter she had just received in the mail and opened and to my shock and horror it was the same letter they had mailed me. This letter was addressed to both her and me on the envelope. She was simply listed as a reference when I applied for the loan. At no time did I give have never given ANY type of permission to discuss this debt with any third party. I have never even been to the state where my elderly friend lives and have certainly never received mail there. The loan company has a good mailing address for me as well as a good contact phone #. This letter received by my friend gave my account #, Delinquency, dates of loan, all info about the loan, and threats of prosecution of myself. She does not understand why they sent this to her and believes they are coming after her for the loan and that she is somehow involved. She is extremely upset and my life has been in turmoil since this happened since now my entire circle of friends and family know all of this and some even believe that I actually did try and involve her since it is so outrageous that the loan company would send her a letter like this.
Product: Checking or savings account

Amounts processed through Navy Federal do not reflect realtime fund availability cause overages and failed payments. Payments take several days to pend and update by which time other purchases have been made assuming the balance is correct just to find out that everything will end up clearing at once causing other bills to be unpaid, Then fees of XXXX are added to NAVY FEDERAL for insufficient checks and fees doubled at the payer for not being able to debit the amount.
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.

15 U.S.C 1681 section 602. 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 XXXX years. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Midwest Recovery Systems just showed up on my credit report as a collection. I have never heard of this people, don't know who they are and they have never contacted me. Please remove from my credit reports.
Product: Credit reporting

I have been a victim of identity theft for over five years. I have filed multiple complaints and disputes with Equifax XXXX and the Federal Trade Commission. On numerous occasions, Equifax XXXX has blocked and/or froze my file, which hindered me from getting a copy of credit bureau reports and the deletion of erroneous information. My consumer credit rights, have been continually violated and disputes have been ignored. I have sent in countless copies of my drivers license and social security card, yet the erouneous information remains. 

I currently have the following listed on my reports : XXXX XXXX XXXX Collection accounts that were not opened by me ( XXXX XXXX Credit inquires that I did not authorize. 
( XXXX XXXX Addresses in multiple states that do not belong to me. 
( XXXX XXXX Social Security card numbers XXXX XXXX XXXX Date of births including years XXXX XXXX XXXX Employers, XXXX of which I have never worked for. 

I am requesting that my credit bureau reports be accurately adjusted to reflect the truth!
Product: Credit card or prepaid card

XX/XX/23 I was called and scammed by someone claiming to be Apple Card ( Goldman Saks ) Fraud Dept.

They said they needed to do a hard reset on my Apple XXXX in order to prevent further fraud. I did it - and they took my identity and charged a total of almost {$12000.00} in several separate transactions at XXXX XXXX Apple stores ( I live in XXXX TX. ) I immediately reported the incident to Apple Card, I reported identity theft and got affidavit, police report, froze my credit etc.. 
My credit card ( Goldman Saks Apple Card ) has opened investigation and determined that I am responsible for the charges. I did not make these charges, I was not even in New York on that day which my credit card statement shows, and I cant understand why they are saying I must pay. They have not explained the decision and I need help because I feel like Apple Card is now scamming me.