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

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists off of auto loan XXXX XXXX XXXX # XXXX, student loan DEPT OF EDUC XXXX # XXXX, DEPT OF EDUC XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have been locked out of my account since XX/XX/XXXX. The login screen says it needs " new device conformation '' and will send an new email with a link to verify. The email never arrives so I remain locked out of my account. I have spoken to Coinbase support on the phone and they said my account is in good standing with no red flags. They said they can not figure out what is wrong and have escalated my account to a specialist. It should take more than 24 hours to unlock someone's account. This matter should of been fixed on the first phone call. 


COINBASE CASE # XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, the accounts listed below have breached my federally protected consumer rights on accurate credit reporting. 

XXXX XXXX # XXXX is in violation of the Fair Credit Reporting Act by inaccurately reporting information to XXXX, Equifax, and XXXX. 

Upon reviewing my credit report, I observed discrepancies in the last activity dates- XX/XX/XXXX, with XXXX, XX/XX/XXXX, with Equifax, and XX/XX/XXXX with XXXX. Furthermore, XXXX XXXX has Inconsistencies in my payment history across the three bureaus, which contravene the Federal Credit Reporting Act. For Instance, XXXX  XXXX, reported a timely payment on XX/XX/XXXX, to Equifax but failed to provide any record for the same date on XXXX and XXXX. Similarly, the reported on-time payments for XXXX to XX/XX/XXXX to Equifax but omitted this information from XXXX and XXXX. Additionally, XXXX XXXX 's payment history percentages differ across bureaus- claiming a 98 percent payment history for Equifax XXXX while indicating 94 percent for XXXX AND 93 Percent for XXXX. These inconsistencies require immediate correction to align with the accurate reporting standards mandated by the Fair Credit Reporting Act. I would like this removed totally from my account. 

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

15 U.S. Code 1681 ( b ) It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer have disputed inaccurate with EQUIFAX on about 4-5 occasions ( XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 ). EQUIFAX continues to willfully and negligently furnish this inaccurate accounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX  Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 60 days ago on XX/XX/2020 I sent in a dispute letter concerning the fraudulent accounts that is being reported on my credit report. Still to this day I have not received any notification, email or letter in the mail stating that they have disputed those accounts.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, it is crucial that all information reported is accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it still remains on the other two reports, namely Experian and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. 

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

On XX/XX/2023 I sent the credit bureaus dispute letters regarding inaccurate information on my credit report. As of today, None of them have responded to my disputes and it has been more than 30 days. I still have the inaccurate information on my credit reports. Please see the attached copies of documents sent to the credit bureaus including letters, identification and my identity theft report from the Federal Trade Commission. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Balance {$0.00} not mine, 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the creditor and CBs about the unknown and unauthorized inquiries on all three of my CB reports! I have called the CBs multiple times and spent several hours on the phone disputing information that was n't mine : multiple addresses ( unknown ), multiple names, multiple social security numbers, as well as phones number 90 % of all my personal information is incorrect! I 've asked for letters of validation from creditors and CBs ; with zero response from the creditors and the CB always saying it 's verified- but never shown proof! When I asked about removing all the incorrect personal information they said I had to reach out to the creditors to clear that up ... and inquiries that I do n't have any idea of they said inquiries are fact, regardless if do it or not, and I needed to contact the creditors -- - THIS HAS BEEN GOING ON FOR 2 years and I do n't know what else to do! Please help! I 've sent all kind of letters and called and sent letters and called -- -- NOTHING!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX TRIED TO DISPUTE WITH CREDITORS NO FEEDBACK PAST 45 DAYS ACCOUNTS NOT MINES PLEASE REMOVE.
Product: Credit reporting or other personal consumer reports

I have had hard inquiries on my account that I do not recognize and never applied for. I reached out to all 3 credit agencies ( XXXX, XXXX, Equifax ) and the assured me that they would take it off of my credit and they are still showing and affecting my credit and my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw an account that I don't recognize.
Product: Mortgage

Home is upside down on the mortgage. We have the house on a short sale since XXXX  of XXXX. We engaged energetic Real Estate agent who during that period presented Mortgage processor- Mr.Cooper- with three offers that were close to the BPO range. Each offer was turned down by lender and Mr. Cooper. The last offer which fell through in XX/XX/XXXX was for $ XXXX. To this offer Mr. Cooper counter offered at $ XXXX. The buyer felt the price was too high for the shape of the property and walked away from negotiation as did the first two buyers. We currently have a new offer in negotiation with Mr. Cooper. This latest offer is for $ XXXX, which meets Mr. Cooper's/Lender previous counteroffer on the nose. Yet, Mr. Cooper has once again changed the goal posts and is now requesting $ XXXX as a counter offer. Message of this counter offer signed today by MR. XXXX XXXX It appears to us that Mr. Cooper/Lender is not negotiating in good faith. Mr. Cooper appears to want to extend the loan servicing in order to garner additional default fees. Or, it may be forcing foreclosure by exhausting our energies. This may be the last opportunity to sell this home. 

Several stories on the internet indicate that Mr. Cooper - predecessor Nationstar - plays games with short sales. Please help them adhere to good practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax blindly trusts XXXX 's data, even though XXXX has assisted in ID theft against me more than once, even though I have a credit freeze, and even though I have a fraud alert on top of that! XXXX is trying to force me to use my own funds to prove this account was not mine, even though anyone with the slightest common sense can see it was not me. XXXX will not even give me an invoice for this supposed debt, yet Equifax blindly trusts them and Equifax even changed my address to where the crime occurred!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up complaint to the original complaint that was incomplete. The credit agencies are all reporting inaccurate, incomplete and false information. I have made several attempts to have corrected. I have submitted all requested documentation along with disputes to no avails. The inaccuracies are costly, costing me thousands of dollars a year in interest and lost opportunities. It is my right as a consumer to have accurate data reflected on my report. 
The Public Record item and account claims listed are deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extends to the reporting mandates that there be no deviation from XXXX Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears the reporting agencies do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that are prepared concerning me. The prompt attention to this important matter is requested in order to comply with federal law.
Product: Debt collection

I had judgement in XXXX against me with XXXX XXXX. The collection agency Suttell and Hammer is handing it. I was paying {$50.00} a month volunterily since XXXX. Now I have paid over {$2000.00}. 
On XX/XX/XXXX my checking account was frozen with XXXX  balance from a notice from Suttell and Hammer. I called Suttell to asked them why couldn't I receive a notice that Suttell was going to do this since I have been paying them since XXXX I feel this wrong for the company to do this without given me ANY warning and taking ALL the money in my checking account. I have {$35.00} in wallet as I am writing this to you all.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX responded to my request for debt validation regarding two XXXX XXXX XXXXXXXX accounts ( # XXXX ... and # XXXX... ). However, they failed to provide the required documentation to validate the debts as per the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ). 

Instead of submitting evidence such as : A copy of the original signed agreements. 
Documentation proving the legitimacy of the debts. 
Proof of their right to collect on the debts. 
They sent a letter stating they could not fulfill my request because the accounts were no longer under their management and had been referred back to XXXX  XXXX XXXX. Despite this lack of validation, these accounts continue to be reported on my credit file by Experian with balances listed as outstanding. 

Additionally : Experian failed to conduct a thorough and transparent investigation under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 
Discrepancies in the accounts include inconsistent opening dates, payment history, and balances. 
These accounts do not appear on my XXXX credit report, highlighting inconsistencies among credit bureaus. 
As of XX/XX/year>, Experian continues to report these unverified accounts, despite my dispute and XXXX XXXXXXXX XXXX inability to validate the debts. This inaccurate reporting has negatively impacted my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is reporting inaccurate late payments on my credit profile from companies such as XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX during XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the unverified negative account on my credit report. Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint regarding late payments with XX/XX/XXXX. There are late payments being furnished on my consumer reports that are incorrect. I was never late regarding this account. I am requesting that these late payments be removed. I have already called XXXX XXXX to confirm this to be true. It is in fact an error. I was told to dispute it with the consumer reporting agencies. The late payments are an error. 15 USC 1666 BILLING ERROR.
Product: Credit card

I was starting my small business in XXXX XXXX about two years ago. I ordered an XXXX computer using the Barclay credit card which offered what I thought was 2 years no interest. It turns out it was XXXX years deferred interest. This was not clear to me at the beginning nor was the amount I would end up be charged in interest if I only paid the minimum payment every month. I was n't made aware of the coming interest charge until a month before the deferred interest kicked in. The interest charge on my XXXX bill was a {$1500.00}. 

I have struggled to keep my business afloat in a tough market in XXXX of the most expensive cities in the world. I am a XXXX. My rent and expenses are a burden. Suddenly, I have been hit with a over {$1500.00} interest charge. Its a disaster for my business and for me personally. I believe the terms on these cards need to be VERY CLEARLY stated to people interested in using them or out-lawed all together. That XXXX, the most profitably company in the world, does this to small businesses and everyday consumers is a disgrace. I fully expect to pay interest on credit but this is just a dirty trick.
Product: Credit reporting or other personal consumer reports

I AM VICITM OF IDENTITY THEFT. I FOUND FRAUDULENT INFORMATION BEING REPORTED TO MY CREDIT REPORT. THE ACCOUNT XXXX XXXX REPORTING A BALANCE OF {$350.00} OPENED XXXX XXXX, THE ACCOUNT XXXXXXXX XXXX  REPORTING A BALANCE OF {$5400.00} OPENED XXXX XXXX, THE ACCOUNT XXXX XXXX A REPORTING A BALANCE OF {$2100.00} OPENED XXXX XXXX, THE ACCOUNT XXXX XXXX XXXX REPORTING A BALANCE OF {$410.00} OPENED XXXX XXXX AS ALL SHOWN ON MY CREDIT REPORT IS NOT MINE AND WAS NEVER OPENED BY XXXX XXXX. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE TO CORRECT MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : DPT ED/XXXX  Account Number : XXXX Account name : DPT ED/XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

Request for an In-School Deferment was allowed and agreed upon by College attended at Fall 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX department in early XX/XX/2021, through my loan servicer, Nelnet ( document attached ). With an agreed end date of XX/XX/2021. I've since have attempted to talk to representatives at Nelnet and Financial Aid 's Registration and Records of signing a new Forbearance/ Deferment agreement in hopes of extending postponing payment to their Financial Aid Department there at The College at XXXX XXXX with no success. The issue continues to be that their Financial Aid department, at the XXXX XXXX is in continued request of a large sum of money {$5600.00}, which I financially can not afford. I am now at the moment submitting complaints to studentaid.gov with regards to several other Department of Education websites, prior. In hopes of having them address my financial concerns as a student and working person here in XXXX New York. Can you assist me in postponing payments and become eligible for a payment plan through Nelnet XXXX? If so I would appreciate hearing back from your XXXX website and any additional questions you might have.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX