23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY
Product: Credit reporting or other personal consumer reports

Experian is in violation of 15 usc 1681i ( a ) 6 ( b ) iii. per my previous disputes through the CFPB and letters sent on various dates for the blow accounts below. I have requested pursuant to the above FCRA regulation method of procedures and data furnishers verified with. I have never received the requested information. Also, the companies listed for the accounts below do not have records of these disputed dates or this information is not on any public record of mine. Also, Experian has been updated these accounts per their verified status with new charge off dates reflecting resent charge off, continuously reporting inaccurate information purposely that has not been verified. 
XXXX XXXX Acct # XXXX Disputed XX/XX/year>, investigation completed in only 11 days XX/XX/year> - Report Number : XXXX Was not given information pursuant to 15 usc 1681i ( a ) 6 ( b ) iii as requested. 
Disputed XX/XX/year>, investigation completed in only 6 days XX/XX/year> - Report Number : XXXX Was not given information pursuant to 15 usc 1681i ( a ) 6 ( b ) iii as requested. 
Disputed XX/XX/year>, investigation completed in only 13 days XX/XX/year> - Report Number : XXXX Was not given information pursuant to 15 usc 1681i ( a ) 6 ( b ) iii as requested. 
XXXX Acct # XXXX Disputed XX/XX/year>, investigation completed in only 14 days XX/XX/year> - Report Number : XXXX Was not given information for whom this information was verified as requested. 
Disputed results XX/XX/year> - Report Number : XXXX - Was not given information for whom this information was verified as requested. 
XXXX Account # XXXX Disputed XX/XX/year>, investigation completed in only 7 days XX/XX/year> - Report Number : XXXX Was not given data for whom this information was verified as requested. 
Disputed XX/XX/year> - Report Number : XXXX - Was not given data for whom this information was verified as requested.
Product: Credit reporting or other personal consumer reports

Equifax is in violation of FCRA 605B ( 15 U.S.C. 1681c-2 ). Equifax says they verified the fraudulent discover account This XXXX account is NOT MINE. I DID NOT RECEIVE ANY GOODS OR ANYTHING FROM THIS ACCOUNT. AND I HAVE NO KNOWLEGDE OF THE ACCOUNT. Equifax did not send me anything that says who this account was verified by or how this fraudulent account was verified. I was not sent anything with my signature on it or anything.
Product: Credit reporting or other personal consumer reports

These inquiries were unauthorized and I am a victim of identity theft. They are fraudulent.
Product: Debt collection

collection agency has account on my credit report ( XXXX and XXXX ) stated i owe {$430.00}. original creditor : XXXX XXXX XXXX, open date of XX/XX/2017 XXXX & open date of XX/XX/2017 on XXXX, account # XXXX, IC System XXXX XXXX XXXX XXXX   XXXX, MN XXXX XXXX. Disputed account and stated the debt was not my debt with no resolution and removal from my credit reports
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I finally was making payments on time after thousands of dollars in their pockets and not applying to my car. I've been on time for the past 2 months and because of the coronavirus lockdown and no work I can not make a payment and they're not willing to Bend at all there is no way I'm refinancing and falling more behind again absolutely not and they should freeze the accounts and give us another month to pay this is XXXX. They're clearly taking advantage of the situation at all costs this {$6000.00} loan is turn into like a {$15000.00} nightmare and now it's going to keep going up higher higher again because of this virus. I only owe XXXX left and if I fall behind you I'm just going to let this car go with this point I can't invest any more money into this with more late fees it's going to cost me {$900.00} extra a month every time I'm late extra above my payment. My payment is {$1500.00} a month. Please people have XXXX  me over on this lease like you don't even know but my worst hang up with them right now is that they're not even working with people due to the lock down it's not our fault. They should be shut down out of business for doing this to us. Especially because you're allowing them to stay opened the business and they're XXXX  over the people that already has loans and I can't pay them right now giving the more power because nobody is putting their foot down with this company. They're getting their cake and eating it to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is not mine. It needs to be removed from my XXXX  Credit Report.
Product: Credit reporting or other personal consumer reports

I was previously an authorized user on an account for ULTA and was removed almost 3 years ago. For some reason I see on my credit reports that I am currently still an authorized user and this information is not accurate. I previously submitted a dispute to the credit bureaus to have this information corrected however the dispute advised me that the reporting was verified as correct and this information is also inaccurate. I have also called the company and they confirmed I was no longer an authorized user on the account and they have no current information about me on their system which supports that I need to be removed from the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have submitted the disputes but no respone
Product: Credit reporting or other personal consumer reports

I called Experian after I couldn't login online and automated robot ask me XXXX question do i want to freeze my report or order a report repeating asking the same questions with no other options until the system was going to disconnect it said I can only transfer call in special circumstances then system hung up dial tone. This is ridiculous the amount of time just trying to get my credit reports must less dispute items I have been dealing with XXXX, XXXX and Experian for the several years I can not contact Experian by phone or online when try to reset password my phone number doesn't match there records., thats XXXX minutes after I gave 2 reps. my phone number. Unbelievable.
Product: Debt collection

While reviewing my credit report, I noticed multiple accounts that I believe were added without my consent and are wrong. I request that these fraudulent accounts be immediately blocked and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPLAINT XXXX Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING THE ACCOUNT NAMES, NUMBERS, AND THE NATURE OF THE DISPUTE. ID : Current Name YOUR NAME IS CURRENTLY REPORTING CORRECTLY ON YOUR EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

SEE ATTATCHEMENT
Product: Credit reporting or other personal consumer reports

15 USC 6508 I have the right to opt out and that they have reported information and transactional history to early warning and check systems Per the FCRA as a Federal protected consumer of any and all authorizations. I the consumer may have given you written & unwritten. Verbal or non-verbal per 15usc 6802. Under 5 usc 522a you are not suppose to give my social security number to anyone that is not the federal government. 17cfr 424 all inquiries must be removed. Fair Credit Reporting Act of 1974 15usc1681 Inaccurate Reporting Non Public Personal Information 16crf 313.6 16 crf 313.7 15usc1602 Per the FCRA as as a federal protected consumer. I'm now opting out any and all authorizations. I the consumer may have given you written & unwritten and verbal or non-verbal per 15usc 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent mail to the credit reporting companies about inaccurate information being reported on my credit report. The company has failed to prove that the bill they continue to report as delinquent is in fact mine and what it was for. All of my bills are paid from XXXX XXXX XXXX XXXX and i have sent 3 letters to " United collection '' to provide a breakdown of fees including any collection costs and medical charges, Provide a copy of my signature with the provider of service to release my medical information to them and to Cease any credit bureau reporting until the debt has been validated by me. I requested full documentation of what they received from the provider of the service in connection with this alleged debt as im 100 % sure it is inaccurate. 

They have failed to provide any of it and I'm requesting you step in to help resolve the issue. I have attached the letter that was sent to them 3 separate times.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/19 I responded to a XXXX ad from someone selling XXXX tickets. The person told me the only way he would sell these to me was if I purchased XXXX through the company Coinbase.  I made a transaction via Coinbase by purchasing {$280.00} in XXXX onXX/XX/19. After giving the individual from XXXX my personal information and attempting to give him my {$280.00} it XXXX, the transaction never processed. Ultimately, it turned out the person selling the tickets was a scammer. 

From this point on all I wanted was my {$280.00} transaction from the Coinbase.com website reversed. After several attempts at trying to access my Coinbase account and contacting customer service via Email, I finally heard back from them on XX/XX/19. After several messages exchanged with Coinbase.com they were not able to provide me with a solution. Instead, they decided to lock my account on XX/XX/19. I never asked them to lock my account. I tried contacting them via phone several times but it was impossible to speak with a live representative and every time I asked them in several email messages they never provided me a way to speak with someone on the phone to resolve this. 

Eventually, on XX/XX/19, I was able to log back into my Coinbase account and on XX/XX/19 they provided me with me access and the steps to withdraw my money. It turns out during this whole time, the value of my Coinbase account had decreased and I was only able to withdraw {$180.00}. During all of the email exchanges and unnecessary steps, nobody mentioned to me that the value was decreasing until the final email message on XX/XX/XXXX. I responded back addressing these concerns and asked to speak with a manager on the phone but Coinbcased has stopped responding to my messages all together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the Consumer Finance Protection Bureau on XX/XX/XXXX, 2 of the 3 companies responded on XX/XX/XXXX they include Equifax Credit Bureau and XXXX Credit Bureau. XXXX did not yet respond which also is an issue. All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not consent. That is also a violation of 18 USC1028A aggravated identify theft and the privacy act of XXXX seeing as they shared my SSN. According to 15 USC 1681C-2 the consumer reporting agency has 4 business days to block information resulting from alleged identity theft. It has been 4 days since they opened their investigation and no action has been taken.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. XXXX  account # 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 an account without my written instruction. 
Chapter XXXX Bankruptcy XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX /Chapter XXXX XXXX XXXX XXXX XXXX /Chapter XXXX Bankruptcy XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have been emailing for months after being locked out of my account and unable to make payments AGAIN. It happened last year also and took me emailing three times to get a response which took about a month to receive. 

Email dates for this round have been : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 It seems insane to have something on my credit that I have no access to and am unable to pay on my balance.
Product: Debt collection

I have never once received a phone call or a piece of mail stating that I owed anyone anything. I found out only years later by my credit report. I had Medicaid but later moved out of state. By the time I found out anything went wrong with billing it was already in collections and too late to fix and I didnt know you could dispute. I contacted my lawyer to make a settlement because I was also recently divorced with XXXX kids on my own and not usually receiving child support so I didnt have much money. He sent a letter on XX/XX/2018 and we have never heard anything back
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX Sincerely
Product: Credit card or prepaid card

Barclays XXXX XXXX XXXX XXXX-ending in # XXXX Mailed check # XXXX for {$94.00}, from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The check was posted on XX/XX/XXXX. It was never credited to my account. I have talked to their customer service office about 7 different times. I have faxed a copy of the paid check, both front and back to 2 different numbers. The first one was to the customer service : XXXX and the second one to the comlaint department : XXXX. I have talked to managers each time to not avail. 
I received two different claim numbers : XXXX and XXXX. Each time I received a letter saying : We are unable to ccomplete your request at this time please contact us for additional details. I have done this each time. I was also told over the phone that nothing could be done. 
I have done everything they have asked me to do and nothing has been taken care of. There is a {$94.00} Provisional credit on my account, but the payment has not been credited. 
***I also made a bank transfer on XX/XX/XXXX which was credited. It was from XXXX XXXX XXXX XXXX. I did this because I did not want to pay interest. This was an entirely different payment. They have tried to tell me the first payment was credited, but it was not. 

I received another letter on XX/XX/XXXX, saying they could not complete my request. The paid check that I mailed them has the bank account and the bank my check was deposited in. 

They have basically told me that there is nothing they can do. My comment to them was that they have screwed me out of {$94.00}
Product: Debt collection

When I started receiving phone calls from Portfolio recovery in 2020 in continually told them to stop calling me but send all correspondence by mail only but they continue call my phone at least 5 days a week even on Sundays I have yet to receive any letters showing proof they own my debt. 

I have now received a summons from the XXXX XXXX courts that they intend to sue me on behalf of A XXXX, XXXX XXXX XXXX. They have not supplied any proof that I have signed a contract with Portfolio Recovery or that they own this debt. In their proof attached to the summons it only shows an account statement from XXXX XXXX. 

Portfolio Recovery is using this tactic to receive money I do not owe them before the statute of limitations end for my state of California. 

They have not complied to the Fair Debt Collection Practices Act,
Product: Student loan

I have been trying to get Nelnet to properly update my loan to reflect my changed income. I have been trying to get this resolved since XX/XX/XXXX. I have spoken not only to various representatives but a supervisor and the solutions center. Instead of resolving the issue they keep asking for the same info I have already sent which I resend anyway. In addition, they have had me capitalize the interest due to their errors. I have not been able to get consistent answers. This has been a problem for 3 years now.
Product: Checking or savings account

From XXXX I had a checking account through Wells Fargo my account was frozen on a daily bases even when I used it at the same places. Once I went to XXXX and found out my account was again frozen during the middle of my trip. I had a few incidents when my account was over drawn from companies when I told them it was a subscription or membership was canceled
Product: Credit reporting or other personal consumer reports

under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and remove the inaccurate information from my credit file. Attached, you will find copies of relevant documents to support my claim, including [ mention any supporting documents, such as payment records, correspondence with the creditor, or identity verification documents ]. 

Please provide me with a written response to this dispute, as well as an updated copy of my credit report once the investigation is complete. I expect this matter to be resolved within the 30-day period required by the FCRA.

Thank you for your prompt attention to this matter. Please contact me if further information is required.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report and can't understand how they got there. I check my report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the errors remained. Because of this issue, Im urgently asking for a thorough review of the documents I submitted so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, I paid off this loan in full. By XXXX, my credit report was still showing the full balance owed in XXXX. I submitted a complaint and the the balance was removed during investigation. 

Despite the account being paid in full, and having a {$0.00} balance, {$2900.00} was added to my credit report on XX/XX/XXXX, which dropped my XXXX XXXX XXXX points. This fake balance due was reported after the account has had a {$0.00} balance for over 3 months. 

XXXX will intentionally and maliciously drive down a user 's credit score in order to force them to use their line of credit - which they doubled the APR on for new loans *after* I agreed to the terms of the line of credit. The new APR is currently 10 % higher than credit cards, making the personal line of credit completely useless for me, and making the impact to my credit report even worse.
Product: Credit card or prepaid card

On XX/XX/2019, I paid {$1600.00} on my card ending in XXXX. That was OVER half of the balance due. In a effort to decrease my debt to income ratio. I was shocked when on XX/XX/2019, I saw on my credit report that my credit limit was decreased {$1500.00}! To be clear, the credit limit decrease hit my credit report BEFORE the debt decrease has even hit my credit report. But that's not even the issue, I want my credit limit raised back to what it was. Clearly, I have the means to pay ( and has always paid ) and I feel betrayed by Synchrony that I can pay you all a lump sum and you all would decrease my limit in the same month so now I am back to where I started, with a high balance card with only {$46.00} to spend. If this complaint does not lead to my limit increased, I will simply cancel not only this card that I have with Synchrony but I will also cancel ALL of the cards I have with Synchrony ( I have at least 3, which I use all of the time ). I'm FED up and feel as if I wasted {$1600.00} and also my hard work has been wasted as well. If I knew I would have ended up with a high balance card anyways, I would have just paid the minimum balance and used that {$1600.00} to pay off other cards/bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of identify theft there are invalid inquiries on my report. 

US SM BUS ADMIN XXXX - XXXX XXXX, XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Debt collection

XX/XX/2017 For the amount of {$230.00} from XXXX  claiming I owe for rent a car service