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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$50.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card or prepaid card

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A 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: Money transfer, virtual currency, or money service

XX/XX/XXXX Coinbase tried to debit my account XXXX for the 2nd time after reaching out and advising I am having an issue with my bank. Coinbase has a misleading statement saying that they will liquidate the cryptocurrency account in order to recover funds. They went ahead and debited my account again. This has caused my bank to charge a {$35.00} overdraft fee, which they can not remove. Coinbase is using deceitful tactics.
Product: Credit card

Report Created On : XX/XX/2024 File Identification Number : XXXX Dear Credit Rating Agency/Customer Service Team , I hope this email finds you well. 

My name is XXXX XXXX. Recently, I noticed a significant drop in my credit score, primarily due to a small overdue payment caused by my failure to set up automatic repayment. 

I would like to clarify the following points and kindly request a re-evaluation : Non-Malicious Overdue Payment : This delay was not intentional, and the amount was only a few XXXX XXXX I have already repaid it promptly. 
Good Credit History : Prior to this incident, I have maintained a good repayment record and have never had any serious delinquencies or debt defaults. 
Stable Financial Situation : My income is stable, I have no outstanding debt issues, and I consistently maintain responsible credit usage. 
Proactive Improvement : I have taken measures to ensure that similar situations will not happen again in the future. 
Given these circumstances, I kindly request that your institution reconsider the impact of this overdue payment on my credit score and adjust my score accordingly or reduce the penalty period. Please review my request and inform me of the next steps in the process. 

I appreciate your time and assistance and look forward to your response. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof that debt was paid, but information has not been corrected on credit report or company. 

XXXX
Product: Credit reporting

TransUnion provides an invalid address and zip code combination for receiving consumer disputes. Because the Postal Service will only deliver certified mail ( return receipt requested ) to an address and zip code combination recognized as valid in the USPS system, TransUnion 's failure to provide consumers with a proper address makes it impossible for consumers to obtain proof that they mailed dispute documentation to TransUnion. USPS refuses to deliver certified mail to the address TransUnion provides for consumer dispute documentation. 

TransUnion provides this address and zip code for disputes : TransUnion Consumer RelationsPO Box XXXX PA XXXX I attempted to mail a certified letter containing documentation relevant to my dispute, USPS refused. They said it was not a valid zip code and address. I reconfirmed the zip code and address with TransUnion. I also checked forums to see if other consumers were having this problem, and sure enough, it is being reported in various consumer complaint forums ( for example XXXX ). 

I called TransUnion to request a different zip code. I was told that the above address and zip code combination was correct. They told me if I was having problems with that zip code, I could fax the materials. I was given a list of XXXX items that had to be included in the fax, in order, or the fax would not be accepted. I was also told the fax number was often busy, and so I should attempt to fax my materials multiple times. 

I concluded that TransUnion was intentionally making it difficult for consumers to dispute items on their credit reports.
Product: Debt collection

I pulled my credit XX/XX/XXXX and seen that there was a collection placed in XX/XX/XXXX for a medical debt in the amount of {$770.00} from XXXX that I am unaware of. I have disputed it several times, XX/XX/XXXX and again in XX/XX/XXXX asking to verify that this account is in face mine or delete this as it is holding my credit at a stand still and I have received nothing from anyone. I looked the company up and they do n't seem to be able to collect in the state of Idaho which I currently live in and have the past 2.5 years and they may be in violation of my HIPAA rights by having access to this account which may be why I have received  nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information should read as follows on all consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Vehicle loan or lease

XXXX XXXX XXXX overcharged me, even after requesting payment extensions, providing my XXXX XXXX Orders, and staying the interest rate and penalties were creating hardships. 

As soon as I was notified I was XXXX to XXXX XXXX overseas, in a XXXX XXXX in support of a XXXX XXXX I contacted XXXX XXXX XXXX. I spoke at length with XXXX XXXX on XX/XX/XXXX via email XXXX,  via phone XXXX, and XXXX Ext:XXXX. I emailed and faxed my XXXX and additional Financial Obligations that were impeding my payments. 

Furthermore, I have emails that show I communicated I was XXXX in a XXXX XXXX, I was feeling stressed and harassed. 

On XX/XX/XXXX XXXX XXXX, XXXX sent an email stating couldnt discuss via email, and asked me to call Additionally, emails in which XXXX XXXX XXXX stated on numerous occasions that they could not continue to discuss via email and asked me to call ( XXXX ) XXXX. 

I XXXX with a XXXX XXXX in support of a XXXX XXXX. I was in a XXXX XXXX. I was originally told that once XXXX the payments would be suspended for the length of the XXXX XXXX. I also provided documentation that the penalties, late fees, and excess interest was causing a severe financial hardship. 

( B ) during the period of military service, in the case of any other obligation or liability. 

( 2 ) Forgiveness of interest in excess of 6 percent. Interest at a rate in excess of 6 percent per year that would otherwise be incurred but for the prohibition in paragraph ( 1 ) is forgiven. 


The definition of an obligation as either a mortgage debt or any other obligation was an amendment established by 2203 of P.L. 111-289, effective XX/XX/XXXX. 

( i ) for a change of permanent station ( I ) from a location in the continental United States to a location outside the continental United States ; or ( II ) from a location in a State outside the continental United States to any  location outside that State ; or ( ii ) to deploy with a military unit or as an individual in support of a military operation for a period of not less than 180 days. ( c )
Product: Checking or savings account

In XXXX of 2023 I had my card stolen at XXXX XXXX XXXX. Someone used my card to charge two different items one totaling XXXX and another XXXX XXXXXXXX as soon as I noticed my card was gone I lefrlt the event and checked my account and called right away to shut down the card. I have no proof that I did not make the purchase except for the fact that I have no items. Obviously I wouldn't have a receipt. The merchant claimed the their used tap to pay so no pin was entered. I should not be responsible for the charged because the bank should require pin numbers for all transactions even tap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, Madam, I have an XXXX  account to monitor my credit scoring and other reports. I see that my credit card data is not showing anymore within my online account since XX/XX/2021. Before everything was fine and we have been working since long time to keep for more than 5 years excellent FICO score in between XXXX. I decided to call XXXX  and they said that I should myself talk to my bank, the XXXX XXXX, about the transmission issue. I tried also to enter in my accounts at XXXX  and Equifax but there I'm now even refused any types of information on my myself and my credit histories. I then contacted on XX/XX/2021 XXXX XXXX to have them investigate on the case and I explained XXXX XXXX what I was told by the XXXX  operator. Today after more than 30 calendar days I'm still without any result or even an explanation from both the bank and the credit bureau XXXX XXXX XXXX and XXXX  ). 

XXXX on XXXX XXXX Account Statement, the monthly downloaded pdf e-document, I do not see my FICO score anymore as the section keeps blank now. 

I need my FICO score urgently back and up-to-date again as we are the process of asking an XXXX XXXX loan for our partnership. This is vital matter for the company. 

Thanks for your assistance in this issue. 
CP. 
XXXX  : I've been a paid XXXX  client during 3 years.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XXXX XXXX I purchased a car XXXX XXXX XXXX in the amount of {$62000.00} with my XXXX XXXX XXXX XXXX I was supposed to be the buyer and she the Co-buyer but that was switched around on the contract. The Car was purchased at XXXX XXXX XXXX XXXX and this does not display on my credit as a co-buyer it does display on the Buyers credit only. This has been error on my account for XXXX years and it is creating issues for me when I am applying for credit for the last XXXX years. I also was illegally charged a down payment of {$2000.00} statue 16 CFR 433.1 ( i ) which iterates Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. With that in mind and proper understanding you can review the definition of a finance charge as it is legally defined in 12 CFR 1026.4. As of XXXX XXXX XXXX  the XXXX XXXX XXXX is not showing on my credit report as the co-buyer. This is effecting me tremendously. The vehicle is registered to me as the co-buyer with the state of Ohio but the Buyer of the vehicle with the state of Ohio. The contract state XXXX is the Buyer and I am the Co-buyer but she signed a co-buyer form and I did not.
Product: Credit reporting or other personal consumer reports

Experian does not allow you to speak with a person. I have called there number for days and you can not speak to a person. They wont give me a credit score and we are trying to get a loan and can not without the credit score. XXXX has a score and XXXX has a score but not experian and I cant speak to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account to all XXXX credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the XXXX credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting XXXX different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( 2 year payment history ) this account is re aged.they are reporting XXXX different high credit amounts {$7000.00} and {$0.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the XXXX that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and Experian several times via phone and online on many occasions in regards to inquires that I did not authorize or was not familiar with.I get the same results, it makes look like i have been begging for credit and i have not.I am trying to get finance for something and it makes it difficult when they are checking credit and i inquires from places I didn't inquire credit from.I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies need to either send of validation or it needs to be removed. The following inquires that were not authorized are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I
Product: Debt collection

I received a phone call in from A.R.M. collections on or about XX/XX/2018, attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I had just installed a solar system with XXXX XXXX through XXXX and then financed through there finance company XXXX XXXX. 
I then told A.R.M. to send me the collection letter which I received yesterday, XX/XX/2018. I then proceeded to call XXXX XXXX, XXXX, and XXXX XXXX, to find out what exactly is going on with my account with all of them. They proceeded to inform me that there was no debt that was in arrears with all three companies ; XXXX XXXX, XXXX or XXXX XXXX. 
I'm assuming this must be fraudulent however A.R.M. was very persistent, I have called the New Mexico Attorney generals office and they could not find A.R.M. in there files as a valid company. So, if there is anything that you can do to help me or anyone else with this information, it would be greatly appreciated. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$0.00}, {$7200.00}, {$3600.00}, {$1900.00}, {$0.00}, {$3200.00}, {$2100.00}, {$1500.00}, {$4300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT LOANS 7. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has a scam on my credit report and they have done nothing about it XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : XXXX XXXX XXXX XXXX you cant even call to see what it is a scam. So they don't investegate, then they say please refer to my credit report for the furnisher or public records office name address and phone number. My question is HOW!!!!! With what they have listed CFPB needs to step in. See experian response below In some instances we are able to determine whether the disputed information should be changed or deleted without having to contact the furnisher or the vendor. After we complete our processing, we send you the results. If you question the results of our dispute process, you may also contact the furnisher of information directly. Please refer to your credit report for the furnisher or public records office name, address, and phone number ( if available ). For more details, please visit Experian.com/disputeprocess.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account on my credit report have not being verified, TransUnion agents will not transfer me to a Manager or someone I can speak and look at the violations they are committing on my credit file. 
I have been disputing these accounts because they are not reporting accurately. 
USDOE /XXXX this account does not belong to me. I have checked with the company and they have no information of this account. Most likely it was a duplicate account. 

US Department of Education XXXX This account was charged off and marked as last day of activity XX/XX/XXXX but have day of last payment XX/XX/XXXX. Makes no sense.