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

I have a company on my credit report call   XXXX   XXXX   that I 've been trying to dispute for a long time this account is a fraudulent account which was identity theft which was never mines, for some reason they updated some information and it dropped my score  XXXX  points they was already on my credit report as a charge off account so why would you allow them to update it to this month which is not accurate date this account was on there for over 6months I have Federal consumer rights under The FRA.   XXXX   XXXX   added information which was already on there but they are harassing me and making my credit lower and lower and Equifax is dropping my score over   XXXX   points just because of update this is just Prejudice and discrimination there 's no way this is accurate please remove   XXXX   XXXX   off of my credit report immediately I have a case number from the police department   XXXX      XXXX   XXXX   XXXX  . Please remove this from my credit report this information is not correct you are not allowed to go back on somebody 's credit report and keep punishing me with the same account which I 'm not responsible for at all ... when   XXXX   XXXX   first went on my credit bureau account I lost significant of points now they keep adding and updating which makes it worse and not making it accurate because they keep making it as a new account which is not a new account and the dates is not accurate I do n't even know anything about this account.. I am not sure why Equifax dramatically dropped my score because of an update this is very racial profiling and they think we as consumers can do anything about it we ca n't just stand here and let you do this to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Transunion 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I have been trying to sell my condo since XXXX. We purchased it in XXXX of XXXX for {$200000.00} and currently owe around {$170000.00}. We had been dropping the price every few months and were finally down to {$170000.00}. In XXXX XXXX I agreed to a new position within my company that required me to relocate from XXXX to XXXX starting in XXXX of XXXX. My husband and I decided to go through the short sale process and drastically dropped the price of the condo to {$130000.00}. We received an offer for {$130000.00} and started the process in XXXX XXXX. We finally received approval from Wells Fargo on XXXX XXXX, XXXX. Unfortunately, the buyer got cold feet and had requested we cancel the purchase agreement. We finally received another offer for {$120000.00} around XXXX XXXX, XXXX. When I spoke with my home preservation specialist regarding how to move forward with the new offer, I asked her what the value of the property was based on the XXXX performed during the first short sale and she told me it was {$120000.00} so I was hopeful that even though the new offer was lower we would still be able to have Wells approve it. I re-submitted all the required documentation within the next week. A few weeks went by and Wells Faro requested information that had already been submitted and changed my home preservation specialist on XXXX XXXX, XXXX. I recently received notice ( XXXX XXXX, XXXX ) that they are rejecting the offer/ denying the short sale however said we could submit a counter-offer to the buyer for {$170000.00}. It has been eight months since we moved and we have continued to make our mortgage payments because it 's the right thing to do and we had some money in savings. The owner of the lower unit will not agree to let us rent our unit which our condo documents require. I do not understand how they could have approved the short sale in XXXX to deny it in XXXX based on very similar offers and our financial situation has not changed any.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of late payments reporting request for verification and removal of inaccurate information.

According to FCRA ( 15 USC 1681-2b ) ( 15 USC 1666b ) ( 15 USC 1666I ) ( 15 USC 1681bf ) ( 15 USC 1681n ) ( 15 USC 1681-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Can you provide evidence that these late payments were late, including the due date, the date the payment was received, and the terms of the agreement regarding the late payments. Can you confirm the exact amount that was late and how it was calculated I have identified discrepancies in the reported dates, and unless you can provide verifiable proof that the payment was late, I demand that the incorrect information be immediately removed from my credit report as required by ( 15 USC 1681 s-2 )
Product: Money transfer, virtual currency, or money service

I tried to purchase a puppy through a breeder whose website was cleared by XXXX and ran as an ad on XXXX. I was in contact with the owner and they did all of the routine steps in making sure everything went smooth and was consistent with what you would expect of most breeders. After all paperwork was drawn up, I paid {$2500.00} total using XXXX and XXXX for the dog but after noticing some sketchy services afterwards, I realized that I had been scammed. I then reported the operation to the FTC, FBI, XXXX XXXX and XXXX. I've tried recovering my funds from Chase Bank, XXXX and XXXX but they all denied my claim.
Product: Checking or savings account

Chase Bank would not help when XXXX XXXX scammed $ 1000.00s of dollars out of my account. 

XX/XX/XXXX {$200.00} XXXX XXXX XXXX  XX/XX/XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$700.00} XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX Have called Bank for help and contacted police
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXXXXXX XXXX to remove my late payments since the loan was paid off XXXX XXXX2023 XXXXXXXX XXXX has 15 late fees I paid off when I paid the balance in full XXXX XXXX 2023. XXXX XXXX said they can not remove the 15 lates fees which were not my fault. I asking for XXXX, XXXX and equifax to remove the late fess. I am trying to buy a house and the late fee changes are hurting me. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Number Date Loan Program Status Principal Balance Action 5 XX/XX/XXXX FEDERAL STAFFORD LOAN Repayment {$6400.00} View Details 4 XX/XX/XXXXXXXX FEDERAL STAFFORD LOAN  Repayment {$6400.00} View Details 3 XX/XX/XXXX FEDERAL UNSUB STAFFORD LOAN  Repayment {$2100.00} View Details 2 XX/XX/XXXX FEDERAL STAFFORD LOAN Repayment {$3100.00} View Details 1 XX/XX/XXXX FEDERAL STAFFORD LOAN Repayment {$2300.00} XXXX XXXX XXXX Account # XXXX The Promissory note isn't my name or signature, I have contacted XXXX several time and the have disregarded me and my attempts and even dropped my credit score XXXX points because of an error. its been a difficult process but I hope they remove all of this account of my credit report asap.
Product: Checking or savings account

XXXX XXXX ( a division of Customers Bank ) restricts online access to customers accounts when a customer is temporarily located outside of the United States XXXX 

XXXX XXXX does not provide any information on its website displayed to consumers outside of the United States on how to contact XXXX XXXX. The website only states " Please contact support '' and nothing else when consumers attempt to access their accounts at XXXX XXXX outside of the US.
Product: Credit card

There was a charge to my Citibank account # XXXX from XXXX XXXX, for {$96.00} for an " XXXX XXXX XXXX ''. I disputed this, and they provided me source information for the charge, showing not only that it was NOT me ( different name and email address ), but that the charge was initiated out of XXXX XXXX, showing an entirely different credit card number. They somehow deemed this sufficient proof of my authorization. 

I do not have a XXXX XXXX account. I have disputed this twice. 

My problem is that they will continue to authorize this annual charge even though I have locked my account and been issued a new card, because it shows in their system as a recurring charge I have authorized. 

XXXX XXXX  has no record of me or of my credit card, so they don't seem to be able to cancel this annual charge.
Product: Money transfer, virtual currency, or money service

Coinbase XXXX Inc. or XXXX did not credit my account XXXX XXXX XXXX ( virtual currency ), currently equaling XXXX in USD. This transaction was successful and in Coinbase hands XX/XX/XXXX, following that date I initiated a detailed support request showing the successful transaction. I have not received any followup, I have even attempted to track down their associates via social media. I have been completely ignored.
Product: Credit reporting or other personal consumer reports

This was charged off in XX/XX/2019 for {$20000.00} and reported to the Internal Revenue Service as income. My income should not be reported by the Credit bureaus. Please remove me as a debtor and remove all information from my credit report because the company converted this to income.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open fraudulently a police report was sent in and they did not remove the fraud information. i am now trying to buy a home during this pandemic and they will give me no proof and will not remove this from my account
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX  # XXXX XX/XX/year> -- {$980.00}
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 24 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are reported accounts that I marked as inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had provided the information for the banking institution, Frost Bank, to provide me with a Fraudulent Transaction Dispute with at least 2 deposits that totalled out to {$600.00}. 

They legally are not required to give me back any money, yet they did, essentially violating a law that I can not remember off the top of my head ( a Law that states that, during the active investigation of a current Fraudulent Transaction Dispute, there is to be no exchange of money nor debits of such money, as well to freeze the account/card ). 

They frozen my card, yet, after some " careful '' communication between the merchant and the financial institution, they stated that it was considered a legal transaction by going off of ONLY the word of the Merchant and NOT the law. 

The problem is, I was sick and medically incapacitated for months on end, going into that time up until the recent months that the account was closed and was sent to collections. I legally was considered medically Incapacitated with no Power of Attorney at present. Therefore, I couldn't legally respond even if I wanted to. 

I have recently asked for documentation provided by the financial institution regarding their proof of decision and such, of which they denied me, which is another violation of the law as I have a right to know what happened, the proof of such, and that they did what was in my best interest as a trustee upon my behalf of my XXXX XXXX account of the XXXX. 

They denied me any right to help, they also denied me any right to reject and object such a decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through the Federal Student Aid and submitted multiple requests to investigate late payments on my student loan account. Currently XXXX XXXX XXXX is reporting 16 accounts, 120 days past due as of XX/XX/XXXX with all three credit bureaus. I completed my application to consolidated my loans with XXXX XXXX XXXX on XX/XX/XXXX ( E-signed document attached ). The XXXX XXXX  representative failed to mention that any of my Loans were past due on the day I consolidated. On XX/XX/XXXX, according to my XXXX history, XXXX   XXXX XXXX reported all 16 accounts 120 days past due without notifying me of their late status prior to my consolidation. I have documentation to prove this history through my monthly XXXX report. 

I also noticed the Federal Direct Consolidation Loan Application and Promissory Note application I completed online and processed by XXXX XXXX XXXX  expired on XX/XX/XXXX. This online application expired 4 months prior to me completing online on XX/XX/XXXX ( attached below ). Improper documentation could have resulted in my application being process or delayed, or notified correctly. 

XXXX XXXX XXXX  failed to update me on the status of my account and processed expired paperwork that they provide online, before reporting inaccurate information to all three credit bureau agencies. Because I moved from XXXX to XXXX, I did not receive any phone calls, emails or mail regarding any " attempts to contact me '' like they are claiming. 

I have submitted multiple requests to XXXX XXXX XXXX  and through a private attorney to fix XXXX XXXX   mistake. XXXX XXXX XXXX has take advantage of me and has put major restrictions on my future purchasing power due to improper credit reporting. These 16 late accounts have prevented me from applying for anything requiring credit. Until this is fixed, these XXXX XXXX accounts will hinder my financial growth for many years to come. 

I ask that all 120-day past due accounts reported by XXXX XXXX XXXX  be removed from ALL three credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit report, Equifax refuses to fix the problems associated with this fraudulent activity. I have submitted disputes with fraud affidavits and they still refuse. My next step will be taking action under the FCRA
Product: Credit reporting

I submitted investigation request to look into wrongly reported Student loans on my credit profiles with Experian, XXXX, and XXXX. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX and are under deferment and are not in default. During the investigation process, XXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. I 've made three request total and asked for verification and to request written proof of their finding but was never furnished with any information.
Product: Money transfer, virtual currency, or money service

I deposited a check for {$1700.00} on XX/XX/year> into my cashapp checking account. It was held for review until XX/XX/year> in which it was cleared and released to my account. On XX/XX/XXXX I received a notification that my checking account was negative by {$1600.00} so I immediately contacted cashapp and they said that check had been reversed due to suspicion of fraud but it was held for 5 days for review and then and then another 5 days later I got the notification that the {$1600.00} was taken from my account and I was negative that on an account that was only alotted a negative {$25.00}. I have contacted them several times since and they refuse to take accountability for letting someone take {$1600.00} out of my account or tell me how they were able to unclear a cleared check since its not supposed to be done by any company or how the two are even relevant to one another since its not the same amounts, or within a reasonable time frame to one another or any sort of clarification instead they refuse to discuss the matter any further. They are also refusing to let me have the funds that are still in my savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX
Product: Debt collection

Lj Ross has attempted to collect a debt for a company in XXXX XXXX mi XXXX XXXX that is not my account. I contacted LJ Ross and asked them to investigate this debt through XXXX XXXX because I have NEVER lived in XXXX XXXX michigan. However LJ Ross proceeded to try and collect on this account and has now added it to my credit file.