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

I sent XXXX XXXX a goodwill letter to ask to have account removed from three credit reporting agencies in XXXX, XXXX & XXXX of 2020. The account is paid and closed XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX reported incorrect information on my credit report. It was due to their own internal system issues and even though they admitted to that, they have not fixed the situation or reported the correct information to the credit reporting agencies.

I have always had AutoPay set up to a bank account on my credit card. XXXX XXXX XXXXXXXX said they accidentally stopped that program on my card and removed any bank account connections to pay the credit card bill. They also refused to notify me of amounts due. When calling to pay off the balance and set up Auto Pay again, they admitted it was a system mistake on their end. I had to request to another support number to have it corrected and the late payment removed from my credit report, since it was the fault of XXXX XXXX XXXXXXXX XXXX. They have refused to take this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up recurring payments on Barclays billing website. I was under the impression that my bills were paid on a recurring basis. Barclays never initiated the payments. Barclays never notified me that any bills were overdue. I contacted the representative from Barclays, he agreed with me, reversed late fees and advised me to send a letter to Barclays Headquarters. They denied this claim. I initiated a complaint with XXXX  and also did not correct this issue. My credit has been flawless for the past 20 years. This caused a 100 point drop in my rating. This is a total violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please urgently rectify the unauthorized inquiries on my credit report, as they were not initiated by me and are causing XXXX XXXX  These accounts were not authorized by me, and it is unjust for me to be held accountable for them. I implore you to swiftly resolve this matter.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me.

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit card

On XX/XX/XXXX, my husband and I contracting XXXX Today for flooring and made a {$250.00} deposit at that time we financed {$750.00} in my ex-husbands name with their in house financing company ( Wells Fargo Bank ). On XX/XX/XXXX it was installed. I paid off the balance using my funds from my bank in a couple of months in that same year. 

On XX/XX/XXXX, I received an invoice that the purchased was not paid. I called and they said that my ex-husband disputed the charge and they sent him the money directly to him. Now XXXX XXXX is billing me for something that was paid. They told me that on XX/XX/XXXX my ex-husband got the funds. Wells Fargo made this error without even investigating that it was paid in full! The Wells Fargo account is in his name only, but I made all the payments not my ex-husband. XXXX said that Wells Fargo took the money back that i paid for in XXXX. 

I am being forced to pay for something I paid for and being threaten to send me to collections. 
Please help me with this case. I will only pay for what I am supposed to, not for their errors. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX credit information hack. it is unacceptable that I have to PAY to freeze my credit when I did not consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Product: Vehicle loan or lease

My husband is out on and unexpected, emergency,  XXXX   XXXX  and I explained this to the customer service rep. I paid the past due today so I would not go over the 30 days late on our credit. She said it would definitely be reported to the credit bureau. Can we please have help removing this since this was only th e 30th day?  We can afford to have our score go down and we have never gone over the 30 days late. I wish I had called over the weekend with the payment ( which I could have ) but I figured it was a weekend and it was n't open so I waited until today, which is Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX  ) Late Payment reported on XX/XX/XXXX. 
Account # XXXX ( XXXX XXXX XXXX XXXX ) reported on XX/XX/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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  hundreds of times over several months and XXXX  continues to display inaccuracies on my credit report. I consolidated my student loans under a new loan. I told XXXX the Navient accounts were closed. XXXX insulted me when I called and refused to remove the inaccuracies even though all 10 Navient loans are closed. XXXX  denied me the right to dispute inaccuracies on my credit file without mailing me a letter stating my disputes are " Frivolous ''. That is a violation of the FCRA. I stated to XXXX that they were violating FCRA and they just hung up in my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

I opened a credit card with DollarBank in XX/XX/XXXX as part of a promotion with a basement waterproofing company. I did not receive any bills in the mail nor instructions from the bank on how to set up my account online and sign up for e-billing. 

In XXXX I received a XXXX XXXX notification that my credit score had dramatically decreased. I learned that I had a past-due bill from DollarBank. I immediately contacted DollarBank and created an online account and paid my bill and late fees. 

It was very challenging to discuss this with DollarBank as the address they had on file was incorrect so it was difficult to verify my identity ( they had XXXX XXXX XXXX, XXXX PA XXXX ; my actual address is XXXX XXXX XXXX XXXX, XXXX PA XXXX- I have been at this address since XX/XX/XXXX ). I spoke to representatives on at least XXXX occasions. I explained that I had not received any bills and that I believe it was because they sent them to the incorrect address. 

I asked for them to remove the penalties for the late payment. They were kind enough to remove the late fees ; however, I asked for my credit report to be reissued as I believe I was not at fault for the missed payments. I was transferred to multiple different representatives over the course of XXXX phone calls and no one was able to correct this error. 

My credit score has been severely negatively impacted which will impact my ability to obtain future loans. My credit score was otherwise excellent until this recent error with no missed payments. I am current with the account and have set up auto pay to prevent this from occurring again in the future. 

Thank you for looking into his matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and I have inquires that I didnt not request on my report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX  XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX  XXXX ( XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/202XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX XX/XX/2022 XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

synchrony/walmart 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement synchrony/walmart 's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still on my credit reports
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Credit Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX  XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX  ( XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX TN ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXX TN ( Equifax : XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ) XXXX XXXX XXXX  XXXX ( XXXX  : XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  : XXXX ) XXXX XXXX XXXXXXXX ( Equifax : XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Experian run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX ...., XXXX XXXX XXXX ....
Product: Checking or savings account

My brother & I opened a chase checking and savings account this year. We tried using XXXX 3x and our acct was locked. Each time we went to the branch to unlock it ( the 3rd time we spoke to the branch mgr Mr XXXX ) and he assured me it was fixed but that the retail banking function is mged by the back office, not him. After this, we couldn't take money out of the ATM. When I deposited a check from chase to another bank, a charge was made of {$25.00} w no explanation. I called the XXXX number XX/XX/21 and spoke to 2 supervisors. They claimed they couldn't hear me, said they would transfer me to account services which manages my acct and then I was disconnected. I am currently able to see the acct on line but can not do any transactions like atm, transfers, XXXX. The branch I went to is in XXXX  on XXXX XXXX. After I was disconnected the 1st time I called the account services number I was given XXXX and was disconnected again. I believe that someone in the bank has taken illegal control of this acct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send Equifax several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about several letters that have been ignored the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following accounts. 1. XXXX 2.XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX 6.XXXX Also a few inquiries that I did not authorize. 1. XXXX XXXX -XX/XX/XXXX 2. XXXX XXXX/XX/XX/XXXX 3.XXXX XXXX XXXX-XX/XX/XXXX. I contacted the original creditor as  suggested and have disputed these items but XXXX is still reporting these unproven to be authorized alleged inquiries as well.
Product: Checking or savings account

Hello. I'm applying for a XXXX XXXX XXXX through XXXX XXXX to assist minority businesses affected by COVID-19. PNC will not permit me to link my account to the application in order to receive the grant funds faster.
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 oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report that XXXX is reporting. This late payments are inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

I have submitted multiple disputes to no avail and no status updates. The Account was reported 30 days late as of XX/XX/year>. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed. 

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement.

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks.

If the information can not be fully verified, I request that all six late payment entries be permanently removed from my credit report across all bureaus ( Equifax, XXXX, and XXXX ). 
I request confirmation of this correction in writing. 
Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, -XXXX
Product: Credit card or prepaid card

I am submitting this CFPB complaint to you today to request to you to remove the late payments you are reporting on my Credit File. The references for the late payment on this account is erroneous and misleading causing negative impact on my Credit File! I previously requested for the investigation and correction of this account and yet you have done nothing. Let me remind you that you are obliged to investigate and update this account per consumers requests under the FCRA regulation. Once again, I am requesting that you take your time to THOROUGHLY investigate and CORRECT this account to report accurate information on my Credit Report. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. 
XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2021 Balance : {$680.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, TransUnion and XXXX well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report. The accuracy of the data reported is inaccurate. If they received the same information from the same company/data furnisher then why is there different information showing for all three credit bureaus. All information must be the same not misleading and falsely reporting. All information must be accurate or it must be immediately removed from my credit report.
Product: Debt collection

XXXX XXXX XXXX located in XXXX va has gotten a hold of my number and I never gave my number to them which is wrong. they calling about the gm financial debt that I have tried resolving with gm financial but they never called me back, this XXXXXXXX XXXX is attempting to collect a debt in the midst of a crisis which WRONG!!!! I told them I can pay {$30.00} a month only and they tell me that's not going to work.
Product: Money transfer, virtual currency, or money service

I am compelled to write this urgent complaint regarding a grave and unresolved issue with Coinbase , Inc. that has severely affected my financial stability and mental well-being. My case number with Coinbase is XXXX, and the associated account email is XXXX. 

Background of the Issue : On XX/XX/XXXX, without any prior indication or clear reasoning, my Coinbase account was abruptly restricted, causing immediate and significant distress. I was accused of violating their multiple accounts policya claim I have vehemently disputed with evidence proving otherwise. During a critical period of unawareness, induced by a lack of communication from Coinbase, I executed a substantial financial transaction. Specifically, on XX/XX/XXXX, I transferred XXXX XXXX from my XXXX exchange to my designated XXXX address at Coinbase, detailed as XXXX. This transaction represents a significant portion of my financial resources, and its disappearance without trace or explanation has inflicted substantial hardship on my daily life and financial security. 

Repeated Attempts for Resolution : Despite exhaustive efforts to contact and collaborate with Coinbase 's customer service for clarification and resolution, I have been met with silence or inadequate automated responses. My repeated pleas for engagement and transparency have been blatantly disregarded, showcasing a concerning lack of accountability and customer care from Coinbase. 

Demand for Immediate Action : The magnitude of this issue transcends a mere transactional error ; it strikes at the core of my livelihood, affecting my ability to manage my financial obligations and inducing unwarranted stress and anxiety. I implore your agency to recognize the severity of this situation and to intervene promptly to secure a resolution. The return or rightful acknowledgment of my funds within my Coinbase account is not only a financial necessity but a critical step towards restoring my faith in financial service providers and regulatory protections. 
Certainly, I can enhance the section of the letter addressing Coinbase 's lack of response and the disappearance of your assets. Here is the revised portion of the letter :