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

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 


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 FIRST 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 can not furnish an account without my written instruction 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. 
For the last 120 days Ive disputed these accounts and disputed with the furnisher all have failed to verify my identity or even respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX XXXX To whom this may Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 under 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 that these accounts listed be REMOVED IMMEDIATELY!

Failure to do so, will result in me taking legal action where I will be seeking monetary damages in the amount of {$1000.00} for each violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Payday loan, title loan, or personal loan

Said I applied and received a pay day loan even after I told them I was a victim of id theft and was reported to credit beuroes and ftc I never been in Texas or applied on line my credit is f rating and I am XXXX.XX/XX/2019 total {$1100.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX, XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureaus has not XXXX XXXX the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect late payment entry on my credit reports. This incorrect information has been reported to the credit bureaus Equifax, XXXX, and XXXX by XXXX XXXX XXXX. 

Account Details : Account Number : XXXX XXXX XXXX XXXX Last Reported Date : XX/XX/XXXX ( LATE PAYMENT ) Reported Late Payment Amount : {$90.00} Open Balance XXXX {$90.00} Credit Limit : {$2000.00} Statement of Dispute : Upon reviewing my consumer reports, I discovered a late payment entry that is factually incorrect. I have never been late on any payment for the aforementioned account. Since XXXX, I have had automatic payments set up from my bank account to ensure all payments are made on time. There has never been an authorization to remove this auto-pay setup. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a, the term " consumer report '' excludes transactions or experiences directly between the consumer and the business. Reporting agencies are required to ensure the maximum possible accuracy of the information they provide. Reporting an inaccurate late payment constitutes a violation of this requirement. 

Action Requested : I demand that this incorrect late payment be immediately removed from my credit reports. If proof of the alleged late payment can not be provided, I insist that my payment history be updated to reflect on-time payments as they have always been.

Consumer Reporting Agencies have a vital responsibility to report consumer information accurately. The incorrect late payment reported by XXXX XXXX XXXXXXXX has caused unnecessary damage to my credit score and financial reputation. I urge you to investigate this matter promptly and correct the inaccuracies in my credit reports. 

( 15 U.S. Code 1681a ) : Consumer Report : A consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Maximum Accuracy : Agencies must ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Attached copy of my documents for verification
Product: Money transfer, virtual currency, or money service

I submitted a wire transfer from XXXX to Chase on Sunday XX/XX/XXXX ( both accounts involved were my own ) XXXX confirmed chase had received the transfer Monday XX/XX/XXXX. I looked over the transfer and realized I had mixed up two of the numbers in the account number. I called XXXX they submitted a recall and then the next day an amendment to the wire transfer. On Monday I spoke to a Chase representative who assured me that even if the account number did exist and belonged to another individual that the transfer would be denied and refunded back to XXXX because the name and address of the beneficiary is not that of the account holders. They assured me that the money would be back into my account by COB Monday. I called on Tuesday to Chase as the wire hadnt been returned and they assured me the same thing, that the money would be sent back to XXXX because of the information discrepancy. I was also told that they could see on their computer that Chase had received a {$2500.00} transfer request to the incorrect account number and that it would be declined and sent back that day for either that account not existing or the name/address discrepancy. I caned Chase on Wednesday, I was hung up on 3 times after they told me twice ( two different reps ) that Chase had never received a wire transfer to either of those accounts for {$2500.00}. I informed them that a rep confirmed it a day previously that they had received it and it was in processing and would be returned the day before, the rep then proceeded to put me on hold and disconnect the call after 40 minutes. XXXX told me that same day that they have tried to reach out to Chase as they havent received the wire transfer back and that Chase has not contacted them at all. I escalated a formal complaint with Chase and still have not received any other word on where the wire transfer is that has been confirmed received by BOTH banks and have been specifically told by Chase that they DO have the wire transfer for them to proceed the next day and tell me they never received a wire transfer for that amount ever for my account nor the account number I accidentally put in ( if it was an actual account with them ). XXXX is still working on recalling the money and cant get Chase to respond, I was told the next steps are to trace the money and further pursue a recall from Chase.
Product: Credit card or prepaid card

I applied for a capital one card. I was approved. The card caMe In the mail one week later and I tried to activate it but was given nothing but trouble. I was unable to update any of my account information once the card arrived. Both my email and phone number are different from when I had an account back in 2015. As a result, I could never activate or use the card. I never knew there was a balance on the card of {$39.00}. I just received mail from capital one and the due date was XX/XX/XXXX. I immediately made a payment as now it stated my account was past due.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their persistent failure to respond to my dispute letters concerning inaccuracies in my credit report. Despite multiple efforts to resolve this issue through the appropriate channels, the credit bureaus have not fulfilled their duty to acknowledge or investigate my disputes, as mandated by the Fair Credit Reporting Act ( FCRA ). 

Even after several submissions, the credit bureaus have failed to provide any response, confirmation of an investigation, or correction of the disputed information. This lack of action is a clear violation of the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in my credit report. 

Please review the attached letter for additional details. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I cant believe XXXX still dealing with this. Ive contacted you multiple times regarding the inaccurate accounts that are still in litigation, yet they remain on my credit report. This has been dragging on for far too long, and XXXX at my breaking point.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. 2025 XXXX ) against them for similar violations. I request that CFPB take action to ensure that Equifax complies with federal law and provides consumers the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have a KIA MOTOR FINANCE inquiry listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.
Product: Money transfer, virtual currency, or money service

Coinbase has blocked and closed my account. The company claims they were protecting me because they thought I was the victim of a sim swap, but in reality I got a new phone and tried to login. After trying to log in on my new phone, Coinbase asked me to complete identity verification, which I attempted to do with my drivers license and my passport. Both attempts failed and coinbase locked me out of everything. 

I can no longer access my account and their customer support hasnt provided any help.
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. 
All Accounts related to the matter : XXXX INQUIRES : XXXX XXXX on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INQUIRES XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX XXXX INQUIRES XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Checking or savings account

Back in XXXX I opened an account with Citi Bank when they were offering their promotions. The specific promotion I applied for was : " Deposit {$15000.00} into a Checking and Savings account at Citi Bank and hold that for 90 days and then your money will be deposited. '' It has been 100+ days since I have had my account, I still have over {$15000.00} in my account and they have not deposited my money. Every time I call ( it has been 15+times ) someone on the customer service line makes an excuse for why my money isn't there or sometimes they just hang up on me ( yes I have just been randomly hung up on because they have no answer to my problem ). I personally work at another bank and I know we always follow through with our promotional offers, but I am afraid Citi Bank is scamming me. I have read other reviews online and they have done this to other people as well. Please help me get my {$400.00} so I can close my account and never come back to this bank again.
Product: Credit card

- I am being pursued by U S Bank for fraudulent credit card charges - I reported the credit card charges to both the police and U S Bank as fraudulent - U S Bank will not stop calling or threatening me even though I have asked them to stop - On XXXX/XXXX/16 I filed a complaint with the CFPB - On XXXX/XXXX/16 I received a call from XXXX XXXX in the U S Bank Fraud Department XXXX XXXX XXXX ). XXXX told me that all CFPB complaints are sent directly to the president of U S Bank and that the bank president had contacted XXXX regarding the complaint. 
- On XXXX/XXXX/16 at XXXX I received another harassing phone call from the U S Bank collection department XXXX I explained the fraud issue to the collector XXXX XXXX XXXX ; directed him to XXXX in the fraud department ; asked him to stop calling me ; reminded him of my rights under the consumer protection laws. All that XXXX would say is that I needed to fill out a form if I wanted the bank to stop calling me. 
- This is the XXXX such phone call I have received from the bank since XXXX/XXXX/16. I have explained the fraud issue each time. Several times I was placed on hold while my call was transferred to the fraud department for further handling but, each time, after an extended hold period, I was disconnected. 
- I have provided the bank with a standard fraud affidavit ; a copy of the police report ; and all details that I have with respect to the fraud ( in writing ). The fraud was perpetrated by my ex-husband and I even provided U S Bank with his name address and phone number. 
- The bank failed to perform adequate due diligence to confirm the identity of the applicant. Consequently, the bank opened an account based on false information and is now faced with the consequences of their failure to know their customer. 
- The bank 's failure to adequately vet an application for credit or follow industry " know your customer '' due diligence does not entitle them to pursue me, the victim, for debt I did not request, create or even have knowledge of until a few weeks ago.
Product: Credit card or prepaid card

In   XX/XX/XXXX  , I opened an account with Comenity (   XXXX   XXXX   ) and recceived a credit card only valid in their stores. I bought a watch with an offer of 24 months without interest, for  XXXX  $ US. I understood that after the 24 months, interests are going to start on the remaining amount to pay ( In   XXXX   it works like that, it 's an incentive for a customer to buy products ). I paid aroud 1300 $ US in two years. Then on   XX/XX/XXXX ,  I paid the usual monthly amount ( I live in  XXXX , so I must make transferts to a US account and then pay them, so I have an automated procedure to do that every month, and I do n't always check the statement. Furthermore, I was out of the country at this period ), but they charged me the total amount of interests for 2 years at 30 % interest rate ; so now I have to refund  XXXX  $ US, with a 30 % interest rate!
I called them, spoke with 3 representatives ( the last one a manager ), and they told me that it is a revolving interest, so because I did n't paid the total amount befo re  XX/XX/XXXX , th ey charged me the revolving interest.
I explained them that I was not aware of that rule, and if I knew I would have paid the entire remaining amount ( around 3700 $ ) in time and the case closed. I asked them to cancel the interests charged and I will pay the remaining amount immediately. The manager did n't want to understand my point and the situation. He only offered me to lower the interest amount by  XXXX  $ ( which he never did after all ), which seems an odd amount ...
I also asked him to fill a complaint for me, and I also filled a complaint myself on their web site. The answer from their secure messaging area is the same : I was late to pay the remaining amount, so they charged me all the two year past interest.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX AND TRANSUNION.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I have a Bankruptcy report on my credit report. I don't have any idea about these report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has on page 11 of 14 XXXX XXXX XXXX XXXX XXXX has this address as business and its a Resident address not a business it shows residential on XXXX and is showing with the Us post office as resident. Experian needs to provide proof of there error as business error after error.