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

Hello, I sent off my first set of letters but I havent gotten a response yet from the credit bureau its been mored then 30-45 days. Im very concerned! I got my 2nd set of letters in the mail today XXXX Can you please let me know whats going. All 3 credit bureaus haven't sent me no updates its been past time.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wire transfer {$25000.00} from my XXXX XXXX XXXX account into XXXX XXXX XXXX  XXXX XXXX XXXX. 

XXXX XXXX XXXX has acknowledged that they have accepted wire and they have also confirmed with me that they received the wire and have sent the funds in the amount of {$25000.00} to Coinbase. 

On XX/XX/XXXX, I called Coinbase and spoke to a representative. Representative had no clue about a wire transfer and advised that the only way to escalate this matter was to email them at XXXX On XX/XX/XXXX, I emailed Wire Support ( XXXX ) and so far I have not received a response back. 

Their website indicates same-day delivery if funds are wire transfered by XXXX, which my funds were wire transfered at XXXX on XX/XX/XXXX. 

I would not panic if they would respond to my emails, but after reading online threads I feel very terrified that they been doing this to a lot of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came back from an overseas travel and as I verified my credit report I realized that multiple attempts were made to open credit card accounts under my name hard inquiries were pulled I have spoken to the credit card companies in question I have also frozen my trans union credit bureau however no changes have been made.
Product: Student loan

I began using " Students Come First '' website : studentscomefirst.us Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They claimed that if I payed XXXX dollars a month for the next 6 months, My student loans that are currently in Federal Default, qualify to be forgiven. I can not find any information on the company, no complains or statin it is a scam. I have been contacted by an XXXX XXXX and a XXXX XXXX, in regards to the process. I have tried calling them back and emailing them, and no one answers. I have already paid them almost {$500.00} in the past and I need to know if this is a legit company. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 
XXXX XXXXXXXX Date Opened XX/XX/XXXX  Balance : {$700.00}.
Product: Credit reporting or other personal consumer reports

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC XXXX XXXX, XXXX XXXX ___ ( XXXX  ) XXXX under a Federal Lawsuit reporting negative information affecting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Information about Your Credit Score In addition to your credit report information, we also obtained your credit score from the consumer reporting agency listed below and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.

Your credit score : XXXX Date : XX/XX/year> Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Derogatory public record or collection filed, Time since delinquency is too recent or unknown, Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high, Proportion of loan balances to loan amounts is too high
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my car that was financed through GM Financial was repossessed while I was XXXX. Due to me being out of the country there were several personal items and a cashiers check ( rent payment ) left in the car for a friend to retrieve. I NEVER received any of these items ( illegal in VA ). I also NEVER received any documentation regarding the sale of the vehicle ( illegal in VA ) or the amount owed. After returning from XXXX I tried reporting the car stolen but was notified by local police that the car was taken by GM Financial. 

I have tried disputing this account on several occasions for several different reason because the company is reporting different information to all of the credit bureaus. My XXXX  was updated ( XX/XX/XXXX ) that the high balance on the account is XXXX. The last activity for XXXX  is showing XX/XX/XXXX. My XXXX  was updated on ( XX/XX/XXXX ) with 54 charge-offs reported and a high balance of XXXX that was charged off. The past due balance shows {$7200.00} and the last activity shows XX/XX/XXXX. The account was deleted from my XXXX  account in XXXX. I am attaching screenshots that GM Financial is blatantly reporting inaccurate information to the credit bureaus which is ILLEGAL. Their actions have caused my score to drop 15 points and has put my mortgage approval in jeopardy. I have already filed a complaint on XXXX   because the information clearly was not properly verified. 

I am requesting that GM Financial expeditiously remove this inaccurate information from my credit reports IMMEDIATELY. I am XXXX XXXX XXXX and clearance requires that I accurately report any debt or delinquencies. This information changes so much which makes this requirement impossible.
Product: Debt collection

XXXX XXXX by synchrony bank has been reporting a debt which belongs to a deceased relative and that was opened by a deceased relative that resides in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. This information is reporting inaccurate on my XXXX  and XXXX credit report as bad debt and bad address.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( Bureau ) brings this action against Experian Information Solutions , Inc. ( Experian or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 
SHAM INVESTIGATIONS As a Federally protected consumer I have personally been a victim of these furnishers of information companies they call Credit reporting agencies EXPERIAN, XXXX, AND XXXX sham investigations. Between XX/XX/XXXX through XX/XX/XXXX I have filed 4 complaints via the CFPB portal about these CRAs reporting inaccurate, Incorrect information that I do not want reporting on my Credit Report. These complaints was back with documentation proving that the information the CRAs were reporting was inaccurate, incomplete and that they are reporting improperly. In return I received an automated response via the Automated Credit Dispute Verification ( ACDV ) and the e-OSCAR system. Each time these so called investigations came back as verified without any proof of the investigations pursuant to the laws of the FCRA on investigations. These CRAs are public traded companies that are selling and bartering their consumers information without their consent in return for these data furnisher companies to report any and everything on a consumers report, which is identity theft, extortion, and fraud. the CRAs have assumed a vital role effecting my credit worthiness, credit Standing, credit capacity, general reputation, personal characteristics, and Mode of living as I have not been able to be granted credit for personal, family, and house hole use. I am also getting notifications from the CRAs about my information being apart of data breaches which is effecting my credit report while still reporting negative accounts on my consumer report. Per FCRA 605B this needs to be addressed within 4 business days. My credit Report is a big mess and needs to be cleaned up ASAP. 

I give my full consent to the CFPB to use this complaint as evidence of these Sham investigations by CRAs in current lawsuit against Experian. This lawsuit will be used as case law to bring my own federal case against these CRAs
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan on my credit report that does not belong to me. It was disputed with all three credit bureaus. I filed a police report and an identity theft report. The contract from this company and initial application has my name but a totally different social that doesn't even belong to me on it. XXXX  and XXXX  both deleted the account but Equifax has deleted it and then put it back on. There is no proof it is mine and the social the account is under isn't even my social.
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 debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 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 XXXX 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 inquiries listed IMMEDIATELY.
Product: Student loan

On XX/XX/year> I requested a review of the last 5 payments I need for loan forgiveness through the buyback program. I have yet to receive an update on these five payments and I would like this process to be completed soon. I have been paying student loans for over 10 years and serving as a professor at multiple public institutions preparing teachers for the classroom. I am overdue to have my debt forgiven through the Public Service Loan Forgiveness program and I am eager to make the final five payments. I am simply waiting for the bill at this point.
Product: Mortgage

Our loan was purchased by Greentree Servicing LLC in XXXX. The XXXX payment was due to them on XX/XX/XXXX. We made the payment via telephone on XX/XX/XXXX of XXXX. The next month we went to make the payment and was informed they did n't have the payment from XXXX At this point we provided to their collection person the reference number, the time of day ; bank information ; sent bank statements. No resolve until XXXX. However, during that time all payments were being held by them because the rep told me " they hold them until all payments are located ''. I asked would it be considered late. They advised me NO ; because they are not late they are just trying to find the payments. We are now attempting to change lenders and found they are reporting late payments since XXXX which we were not with them until XXXX as well as we could not access the website until XXXX because they were holding the payments. We talked to someone from Greentree almost every other day regarding the payments. No one called as promised it was us calling them. Then they went up on our mortgage payment which they said was due to escrow because the payments were not being paid. I was advised my husband would have to call in after all payments were found to request a new evaluation. Well two weeks ago we did that and they told us we could not until next year. This lender is not only making false statements but the customer service here is horrible. Today, XX/XX/XXXX I called in regarding the late payments we were advised of and was told it has to be in writing and could take two weeks. I asked the guy I was speaking with for a supervisor and he transferred me to the voicemail. We are due to close on Monday, XX/XX/XXXX and need this to be corrected immediately not in XXXX weeks. The payments were made as they were set to make and we have not been charged any late fees. I believe this is another ploy by this lender to ruin our information so they can continue to balloon our mortgage. Your help is needed to have the payments reported correctly and updated to the credit bureau immediately.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a 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: Money transfer, virtual currency, or money service

I received my claims to my Paypal account and it got closed for no reason i have to wait 180 days for it to be restored. We barely can eat.. Please help me resolve my issue
Product: Credit reporting or other personal consumer reports

Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX SSN : XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , UT XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : Bureau : XXXX Creditor Name : AMEX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it.

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

remove address not mine XXXX XXXX XXXX XXXX XXXX everthing not XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, transunion and XXXX to no avail. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXX XXXX. Is not my account! 

XXXX XXXX {$1000.00} Is not my account! 

XXXX XXXX Is not my account! 

XXXXXXXX XXXX  Acnt # XXXX {$9200.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX Acnt XXXX XXXXXXXX {$820.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt # XXXX {$1700.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX Acnt XXXX XXXXXXXX {$3800.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt XXXX XXXXXXXX {$540.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt XXXX XXXX {$2900.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt XXXX  XXXX {$570.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX Acnt XXXX XXXXXXXX. {$360.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX Acnt XXXX XXXX {$770.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt XXXX XXXXXXXX {$540.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX / XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : last payment :
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.

Acct name-XXXX XXXX : # XXXX , Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, ACCT NAME : XXXX XXXX XXXX XXXX XXXX  ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX # XXXX ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX has 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