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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear TransUnion LLC Consumer Dispute Center, I am writing to dispute several items on my credit report that contain errors and inaccuracies. Specifically, I am concerned about the following violations : Incorrect personal information : My name is XXXX XXXX XXXX, and my name is incorrectly listed as XXXX XXXX XXXX on my credit report. 

Incorrect personal information : My previous address is listed incorrectly as XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

Incorrect personal information : Another previous address is listed as XXXX XXXX XXXX XXXX XXXX, TX XXXX, which is also incorrect. 

Unauthorized inquiries : I did not authorize the following inquiries on my credit report : XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, 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 on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX XXXX 

Inaccurate account information : Several accounts on my credit report contain incorrect information, including an incorrect high balance, an inaccurate date of last activity, re-aged accounts, a charge off listed as open, and a collection account with a limit. These errors are present in the following accounts : XXXX with account number XXXX, XXXX with account number XXXX, XXXX  with account number XXXX, and XXXX with account number XXXX. 

I want to emphasize how important it is for these errors to be corrected as soon as possible. My credit report is essential for many aspects of my life, including obtaining loans, renting an apartment, and even applying for certain jobs. The inaccuracies in my report are preventing me from achieving my financial goals and negatively impacting my life. 

In addition to the inaccuracies and errors mentioned above, I also want to share a personal story of how this has affected my life. Last year, I applied for a loan to purchase a car, and my application was denied because of the errors on my credit report. As a single mother who commutes long distances to work, having a reliable car is essential for me to support my family. Not being able to obtain the loan and purchase the car I needed was a significant setback for me and my family. 

Therefore, I am requesting that you enforce the legal obligation of the creditor to provide accurate and verifiable information on my credit report. I also want to request that you remove the unverified accounts mentioned above from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card

My wife was issued an Amazon.com rewards VISA signature credit card from JPMorgan Chase & Co totally unsolicited nor wanted. This is a real credit card with a {$2000.00} credit access line. The process for getting this ( or any ) card typically requires application and credit verification, neither of which was done with any permission. Her credit was checked last week by Chase, as verified by a recently reviewed XXXX credit report. The card ( as far as is known ) has not been activated. When calling the number on the back of the card, the customer rep asked for detailed confidential information for " identification validation purposes. '' None was shared, but when the customer rep was asked how she had access to the information with which to validate anything, she stated that it was all " public records. '' Amazon was contacted but deferred to the same Chase customer service department for assistance with cancelling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency Experian, XXXX and XXXX several times.
Product: Debt collection

Debt collector continue to tell me the debt is accurate. After I made several attempts to tell them to send me proof of ownership and never received it and balance had been written off I also asked to be sent a XXXX cancellation of debt form and never received either... I wasn't this removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian a few times about the XXXX account XXXX. As a consumer I have the right to a credit report that is 100 % accurate. The FCRA states " The 7-year ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ( 1 ) '' according to my credit communication with XXXX my first date of delinquency was XX/XX/XXXX. This item was supposed to be deleted from my credit report back in XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX  XXXX XXXX Balance {$860.00} XXXX XXXX XXXX  XXXX Balance {$260.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX  XX/XX/year> XXXX  XXXX  XX/XX/year> XXXX  XXXX  XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XXXX XX/XX/2023
Product: Debt collection

Everyday for the past 2 weeks I receive a call from a fake phone number with the same area code as me and they are looking for my daughter in law. Everyday I explain she can not be reached at this number and they continue to call everyday. They always say, ok, we will note it in the file clearly there is no noting going on. I am at work when they call and can not always take a msg. The number they gave me to give to my daughter in law is XXXX Credit Corp. Solutions
Product: Credit reporting, credit repair services, or other personal consumer reports

department of education aka aidvantage was not given writtten or verbal consent to add 2 late payments on my credit report.not only that the 2 late payments time have lapsed which puts the creditor inaccuratley laving on my credit past the by the law 7years .acount was opened XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting a duplicate trade line for the balance of {$780.00} on the XXXX partial account number XXXX. ( Please see pages 11 and 12 of the attached credit report. ) This duplicate entry is harming my credit score and is a violation of the Fair Credit Report Act. Please delete this trade line item from my credit report.
Product: Credit reporting or other personal consumer reports

Attempting to login, needed to reset login credentials. Provided needed PII, then was provided the following response from the website. 

We are temporarily unable to complete this request. 
Please try again later.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate credit information. 

Account : XXXX XXXX XXXX Late Payment : XX/XX/2022, XX/XX/2022 {$520.00} The account payments were deferred and no payments were due at the time. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Sections XXXX and XXXX. 

It has unequivocally come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section XXXX, emphasizes the necessity of consumer consent for the use of personal identifying information. Furthermore, Section XXXX establishes clear penalties for unauthorized use of such information. These laws underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections XXXX and XXXX of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXr # XXXX, XXXX XXXXr # 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
Product: Checking or savings account

I was suppose to receive my items on XX/XX/year>. However i never recieved it and tracking shows that the item was missing. I am being told that the only way to receive my money is by opening a ups claim however since i was not the sender of the package i am unable to do so due to the restrictions the sender put in place. As you can see per XXXX website and tracking the item was never delivered to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many fraud accounts on my credit that aren't mine I don't ever bank and they're all from capital one and that isn't me
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax trying to get the fraud alert off my account and the lady was very unprofessional and wouldnt let me speak to an American rep. And told me I need to mail in documentation but wouldnt tell me what documentation.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXXXX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, 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 3 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

This company have put a duplicate accounts on my credit report. XXXX account ( account ending in XXXX ) does not belong to me they are reporting more than 120 days late. I open my account ( account ending in XXXX ) in XXXX 2015 XXXX payment was n't due till XXXX XXXX 2015 so how can I be 120 days late. I have never been late nor miss a payment with this company. I talk to the manager ( XXXX ) at the XXXX Ga. location which she admitted that she was the XXXX made the mistake and that she will fit it but have nothing been done yet... I have made dispute with all XXXX credit report agency cause I am a member with all XXXX but nothing have been done yet. This have made my score drop more than XXXX points and I am in the process of trying to get my house and car refinance for a better rate.
Product: Money transfer, virtual currency, or money service

I have had a coinbase account since XX/XX/XXXX till current. I have used their exchange XXXX  same time. On XX/XX/XXXX, I was surprised coinbase disabled my account " buy '' feature and that also meant I can NOT log in my XXXX  account. I have my funds ( Cash {$23000.00} and Coins worth {$25000.00} ) in XXXX. 

I called and emailed coinbase and XXXX 15 times so far over the past 18 days. I am only told my account is under specialist review and they are busy, the specialist will try to review your account but no time frame when it may happen. 

In my calls and emails I specifically request coinbase/XXXX  to release my funds since they have no right to freeze it and they responded with same point that the specialist will review account. 

I have used coinbase since XX/XX/XXXX and I have submitted all documents to verify my ID and income sources, including my bank and credit card information. I submitted my driver license, my USA passport and every required information coinbase requested. 

I have found many customers on social media are experiencing same issue withcoinbase, freezing accounts and no access to funds. I believe this is not a legal action for coinbase to do and they should be reviewed by state and federal authorities.
Product: Mortgage

I AM A NURSE WITH XXXX. NOT ONLY DO I SUFFER FROM XXXX XXXX AND WAS PLACED OUT OF WORK BECAUSE OF IT. IN ADDITION TO THIS MY SON OF XXXX YEARS OF AGE GOT INFECTED WITH XXXX WITHIN A COUPLE OF WEEKS OF MY XXXX YEAR OLD HAVING XXXX  I MYSELF HAD XXXX. I WAS AGAIN PLACED OUT OF WORK, MAKING THIS THE THIRD TIME I WAS PLACED OUT OF WORK IN THE LAST 2 YEARS. I AM A SINGLE MOTHER WITH THREE CHILDREN AND THIS IS OUR HOME SINCE 2006. PRIOR TO ME DEFAULTING I WAS ALWAYS IN GOOD STANDINGS AND MADE MY PAYMENTS ON TIME AND IN FULL. I DID NOT ASK TO SUFFER FROM XXXX XXXX, I DID NOT ASK TO HAVE XXXX, I DID NOT ASK FOR MY XXXX YEAR OLD TO HAVE XXXX NEITHER. THESE EVENTS HAPPENING BACK TO BACK HAVE AFFECTED MY INCOME. I DID NOT WAKE UP ONE MORNING AND TOLD MYSELF TODAY I AM NOT MAKING MY MORTGAGE PAYMENTS. NO I AM A RESPONSIBLE SINGLE MOTHER DOING ALL THAT SHE CAN TO KEEP THE LIGHTS ON, PROVIDE A HOT MEAL, AND PROVIDE CARE FOR MY CHILDREN AND I. NOW THAT I AM BACK TO THE FRONTLINE PROVIDING CARE I HAVE INCOME ONCE AGAIN. I AM SIMPLY ASKING FOR ASSISTANCE TO AVOID FORECLOSURE. AS A HOMEOWNER IN CALIFORNIA WHO WAS IMPACTED BY XXXX SINCE I DID HAVE IT AS WELL AS MY XXXX YEAR OLD SON I AM ASKING FOR MORTGAGE ASSISTANCE TO RETAIN MY HOME. I WAS INFORMED I WAS DENIED FOR HOME RETENTION OPTIONS BECAUSE IT IS MORE CONVENIENT FOR THE INVESTOR OF MY LOAN TO HAVE ME SELL MY HOME OF 15 YEARS. HOW IS THIS HELPING ME AVOID FORECLOSURE. MY RIGHTS AS A HOMEOWNER ARE BEING VIOLATED.
Product: Debt collection

Creditor continues to report this bad account to a third-party XXXX XXXX which is duplicating the bad debt to my credit portfolio causing a bad reputation on my profile. I have submitted police reports and reports these to be fraudulent account and to charge as bad debt. However, it continues to show on my credit profile not once but twice.
Product: Vehicle loan or lease

I made an over the phone payment of {$300.00} through the third party app Ally uses yesterday on XX/XX/year> before XXXX. The representative informed me the payment would be processed and charged to my account the same business day. I called Ally this morning for collections to advise me it was my bank accounts fault yet I have physical proof there was no transaction made. Collections have provided me nothing but inconsistent information saying itll be the same day, no itll be 1-2 days, and that itll even take up to 10 days to process. I have been dealing with this exact issue of attempting to make payments with Ally posting it to Ally to reflect on my account but theres been no withdrawals even attempted. I have consistently been attempting to make contact and get clarification for two whole weeks to only be blocked from my personal number and have to use my familys phone to get in contact but when I acknowledge this issue Ally says there was no block on my phone. My bank has even pointed out the processes that are happening are suspicious and advised me to be wary of Ally as a business. From the beginning of XXXX Ive had nothing but issues with collections and customer support advising me its nothing they can do and its my bank meanwhile theres no hold and Ive been able to make payments in the last. Ive attempted to make payments totaling {$700.00} at this point for none of the money to come out and my interest rates and fees to only keep collecting.
Product: Debt collection

Portfolio Recovery Associates , LLC, defined as a non-affiliate third party by 15 USC 6809 ( 5 ), allegedly committed identity theft under RCW 9.35.020. The original creditor, XXXX XXXXXXXX, a financial institution per GLBA 15 USC 6809 ( 3 ) ( A ), lacked my consent to share personally identifiable financial information with Portfolio Recovery Associates , LLC, potentially violating 25 USC 6802 ( b ). This includes fraudulent acquisition of my non-public personal information, defined by 15 USC 6809 ( 4 ), for debt collection, constituting an unfair practice under RCW 19.86.020. 
Furthermore, Portfolio Recovery Associates , LLC illicitly disclosed my financial information to consumer reporting agencies, violating my privacy rights and potentially constituting crimes under 18 USC 894 and 18 USC 242. 
Additionally, there are concerns that Portfolio Recovery Associates , LLC may be attempting crimes of trafficking in persons through involuntary servitude as per 22 U.S. Code 7102 ( 3 ) & ( 8 ).
Product: Credit reporting or other personal consumer reports

I have an inquiries on my credit report for the following companies ( Amex - XX/XX/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 However these companies have reported wrong information to the credit bureau without my authorization. I will like for these inquiries to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report I am disappointed because of these information still can be seen in there. I feel like I'm being taken advantage of for being ignored by my disputes. I'd informed you so many times that these items are apparently inaccurate and incorrect. You even failed to legally verified this pursuant to Section 609 of FCRA.
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their 360 high yield interest savings accounts.Capital one misrepresented the 360 savings account as one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 performance savings account as one.This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. I seek redress for the misleading pratices and failure to fufill their advertised promises.
Product: Student loan

This private student loan is listed as " charged off '' on my credit report, but is no longer held by JPM Chase. It was apparently sold by JPM Chase to XXXX. XXXX claims they sold it to a third party and have no records since XX/XX/2008. I can't figure out who has it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, After 3 months of trying to get Experian on the line in order to fix my identity issue, I reached a new bottom with Experian. 
with Experian, I'm not able to verify my identity, AGAIN. 

Please, I just want to be able to sign up to the Experian website and be able to be found by creditors that look at me under the Experian database.