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

In accordance with the Fair Credit Reporting act, the following companies have violated my rights. XXXX XXXX XXXX XXXX account number XXXX. XXXX account number XXXX. XXXX account number XXXX. XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX XXXX account number XXXX. XXXX account number XXXX. XXXX XXXX XXXX  XXXX account number XXXX. XXXX XXXX XXXX account number XXXX some of these are duplication and is really affecting my credit. In 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Creditor ) continues to inaccurately report a Business Account that I am not liable for on my credit report as a Personal Flexible Account which is not correct and is a violation of my rights per FCRA. Additionally, XXXX XXXX has confirmed they will report this account as In Dispute per FCRA, however they have failed to that as well. I am requesting this business account that I am not personally liable for to either be removed from all of my credit reports or appropriately update this account from Personal Flexible Account to Business Account and update the status/comments for the account as In Dispute per FCRA as agreed.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase where funds were deposited and settled on XX/XX/year>. Up until today ( XX/XX/year> ), I have been able to buy, sell, send and convert my assets on the Coinbase account with no problem. Now, my balance shows correctly, but my account on both Coinbase 's web browser and mobile application say that I have {$0.00} available to sell or send, but my balance is still > {$2000.00}. My funds are being stolen from me as Coinbase is not allowing me to withdraw the funds i have deposited.
Product: Credit reporting or other personal consumer reports

I am writing this letter to inform you that I've been a victim of an Identity theft. Upon checking my credit report I find some incorrect information my report. I've contacted Experian, XXXX and XXXX to try to dispute this information more than seven time with and FTC Report statement why the accounts doesn't belong to me and every time I asked them for proof they don't provide it. They always come back with a message that the account comes back verified. I don't know what to do at this point. please help. 
These are the following accounts : ACCOUNT Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect personal information. 
Name : XXXX XXXX, XXXX A XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX Single family XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Multifamily XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning a persistent issue with my credit report that has severely impacted my financial well-being. Despite my efforts, this matter has remained unresolved since XX/XX/XXXX. 

In XX/XX/XXXX, I discovered a fraudulent Capital One account on my credit report, with the account number XXXX. Despite numerous attempts to rectify this issue with the credit bureau, including providing all necessary documentation, the account has been reinserted into my credit report. This ongoing issue has caused me significant stress and frustration. 

In an effort to resolve this matter and alleviate the associated stress, I decided to pay the account, despite its fraudulent nature. However, the account remains on my credit report with the following details : Current Payment Status : In Collections/Charge-off ( 15 USC 1681i ) Remarks : Payment after charge off/collection ; Dispute resolved; reported by grantor ( 15 USC 1681s-2 ) Times XX/XX/XXXX Days XXXX : ( 15 USC 1681i ) Closed As Of : XX/XX/XXXX Additionally, the credit bureau removed the account at XXXX point XXXX only to reinsert it later. This cycle of removal and reinsertion led me to pay the account in hopes of resolving the issue, but the account remains unresolved. I also requested validation from the creditor and completed an identity theft affidavit, yet the account persists on my report. 

For your reference, I previously filed a complaint on XX/XX/XXXX, under COMPLAINT ID XXXX & XXXX. However, the response addressed a different account, an auto loan with reference number XXXX. The account I am disputing is the Capital One account mentioned above. 

Thank you for your attention to this matter. Please contact me if you require any additional information or documentation.
Product: Credit reporting or other personal consumer reports

I was never late on this account in XX/XX/XXXX XXXX 

I was reported to the credit bureaus as having 1 late payment and I have attached proof so you can see that this account is being reported inaccurately. You can see that this account is being reported differently across all three credit bureaus as well. Look at how all the information is different. 

This is a violation of the FCRA Section 623 and also a violation of the Fair Credit Billing Act. This has really dropped my XXXX score and I need it fixed ASAP.

I applied for an auto loan with XXXX and this hurt my interest rate because of the late payment.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of XXXX-Reported Collection from Credit Report Dear XXXX  I am writing to formally request the removal of a collection item that appears on my credit report under account number [ insert account number or reference number ]. The item in question was reported as a self-collection, and I believe it is either inaccurate or improperly reported. 
Details of the Collection Item : Creditor Name : XXXX XXXX  Account Number : XXXX Reported Amount : {$1600.00} Date Reported : XX/XX/year> Reason for Removal Request : Not Authorized : The collection was reported without my knowledge Enclosed, you will find [ copies of relevant documents, such as payment receipts, settlement agreements, or correspondence with the creditor ] that support my request for removal. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you : Investigate : Conduct an investigation into the accuracy of the collection item as per the FCRA guidelines. 
Remove or Correct : Remove the collection item from my credit report if it is found to be inaccurate or incorrect. Alternatively, update the report to accurately reflect the status of the debt. 
Confirm Removal : Provide written confirmation that the item has been removed or corrected once the investigation is complete. 
Please notify me of the outcome of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this collection item from my credit report. 
Sincerely,
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 under transaction number XXXX I sent {$80.00} dollars trough Xoom at a XXXX bank account for help some relatives to buy medical supplies during Covid 19 situation. Xoom usually set the transfer in half hour, after two days I communicate with them by email, they answered that will give me more information about my money, today is XX/XX/2020 and xoom still doesnt resolve this simple situation.
Product: Debt collection

XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( XXXX ) but yet they placed a collection on my report. I asked for a original contract i have signed with Transworld Systems Inc, also the certified receipt with my signature or phone conversation or a copy of the email sent to me giving me proper notification under 12 CFR 1006.34 ( c ) ( XXXX ) ( XXXX ). 

XXXX XXXX is violating my consumer rights, by using false misleading, misrepresentation and deceptive means, this company was sued before. I also want the purchasing agreement that Transworld Systems Inc, have with the original creditor and for them to furnish proof they are licensed and bonded. 

XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s-2 ( XXXX ) ( a ).
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX XXXX XXXX ( XXXX XXXX ) threatened to sue me for a very old debt. So signed an agreement to pay old debt, I believe in XXXX. Monthly payments were taken out of XXXX  account up and until XX/XX/XXXX. Not sure why they stopped, we tried to contact them once we noticed payments had stopped coming out. Never heard back. 
Now XXXX almost 5 years, they have sent me a letter stating that I need to appear for an oral deposition on XX/XX/XXXX. 
They have basically requested all of my 1099s, Tax returns, pay stubs, leases, vehichle titles, stock certs, trusts of which I am beneficiary and bank statements. 
I don't have the original contract signed and they are not willing to provide me with a copy. Nor will they tell me when this contract was originally signed. They are refusing to provide me with any information at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. There are 3 accounts reporting to Experian which are fraudulent & I'd like them to be removed from my report. I thought they had dutifully complied to the law to cease any fraudulent account unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address is incorrect and I do not know how old addresses got reported in XX/XX/2022 to reflect as the correct address. 
The employment record and salary are not showing. 
The name on the report is also wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an unverified inaccurate bankruptcy on my credit report with the XXXX, XXXX, and XXXX and all 3 keep reporting the bankruptcy is verified by the data furnisher LexisNexis. As of XX/XX/21 LexisNexis did an investigate and said there in no bankruptcy in there fields ( see enclosed letters ). But this can't be true, because all 3 credit bureaus keeping coming back said its verified as accurate from the data furnisher lexisnexis. I have tried numerous times with each credit agency to remove the inaccuracy from there files and said lexisnexis has verified as accurate. 
XXXX XXXX # XXXX, XX/XX/21 XXXX # XXXX, XX/XX/21 # XXXX still referencing bankruptcy. 
XXXX XX/XX/21 # XXXX, XX/XX/21 XXXX verified as accurate. 
XXXX XXXX # XXXX, XX/XX/21 # XXXX all still referencing the bankruptcy in there files. Not one time has any dispute come back no bankruptcy and the common denominator here is LexisNexis.
Product: Debt collection

I XXXX XXXX XXXX filing a complaint against Radius Global Solutions on the original creditor XXXX XXXX regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with attempts to collect on a debt governed by an arbitration clause. The original contract, which was originated by XXXX XXXX, includes an arbitration clause that requires any disputes related to the debt to be resolved through arbitration, not through traditional debt collection methods. Despite this, Radius Global Solutions, acting on behalf of XXXX XXXX, has continued to pursue collection efforts without adhering to the terms of the arbitration agreement. 
In addition to failing to respect the arbitration clause, Radius Global Solutions has also violated the FDCPA by failing to properly verify the debt in accordance with 15 USC 1692g. The FDCPA mandates that debt collectors provide adequate verification of the debt within five days of their initial communication. Radius Global Solutions has not provided proper verification or the necessary documentation to comply with the debt validation requirements outlined in the FDCPA.

As such, Radius Global Solutions has violated my consumer rights by continuing collection efforts despite the debt being subject to arbitration and by failing to verify the debt as required under 15 USC 1692g. These actions mirror violations identified in previous case law. For example, in XXXX v. Radius Global Solutions, XXXX ( No. XXXX, XXXX Cir. XXXX ), the court ruled that Radius Global Solutions violated the FDCPA by continuing collection efforts without providing proper debt verification. Similarly, in XXXX v. Radius Global Solutions ( No. XXXX, XXXX Cir. XXXX ), the court found that Radius Global Solutions failed to provide the proper documentation necessary for debt verification under the FDCPA. 

I have attached my license as proof of identification.
Product: Credit reporting or other personal consumer reports

Home repair/renovation was NOT completed as agreed but the contractor sold/transferred a balance to Nexum Group which in turn placed a collection on the credit report.
Product: Credit reporting or other personal consumer reports

Under the Fair and Accurate Credit Transactions Act and the Fair Credit Reporting Act, I maintain that I have resided at the above referenced address for the past 3 years. I have listed under penalty of perjury my correct social security number and date of birth, and I would appreciate an updated credit report to be sent to me within the next XXXX business days from Experian, XXXX and XXXX XXXX collectively. I believe that each consumer reporting agency has invalidated the true spirit of the XXXX and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached address.
Product: Student loan

I have been stuck in an interest loop with Navient for 2 years ( I started paying on my large loans after consolidating them through XXXX XXXX, which then turned into Navient ). My accrued forbearance interest is XXXX, ( this accumulated because I did not have the money to start making payments on my loans when I graduated at first, XXXX was my servicer at the time and they claimed putting it in forbearance would be appropriate because I could n't make less than a XXXX $ monthly payment, there were no repayment options for me at that time. ). Now I am gaining daily interest on my principal balance which is around XXXX, where in my " repayment plan '' payment is barely covering the XXXX accrued interest on my principal balance. I am making no HEADWAY on my principal balance or my forbearance interest. I have around a total of XXXX in student debt, and it says my term is 140 years??
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 Experian has continually failed to properly update information regarding a previous mortgage account. 

In regards a complaint handled by CFPB the mortgage company had made errors regarding reporting date of first Delinquency. 
The mortgage company corrected the error and issue was resolved through CFPB complaint number XXXX Unfortunately, even after receiving the information related to this complaint and subsequent update and letter from the mortgage company. Experian has failed to properly update this record after again being disputed through their dispute process
Product: Credit reporting, credit repair services, or other personal consumer reports

hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored of my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

15 US Code 1681c-2 a consumer reporting agency shall block a reporting agency 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TP PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account from XXXX XXXX XXXX on XXXX, Equifax and XXXX credit reports. So far I have heard back from XXXX stating that XXXX XXXX XXXX verified the information as correct and the item was not deleted. 

I have submitted two complaints against XXXX XXXX XXXX with regards to this account and in the first complaint they agreed to delete the item from my credit reports. 

However, this has not been the case. I am providing copies of the first complain with XXXX XXXX XXXX stating they will remove the account from my credits bureaus. 

I also asked XXXX, XXXX and Equifax to provide the means of the verification and the proof that was provided by XXXX XXXX XXXX. This information was not provided. They are just relying on XXXX XXXX XXXX word. Without proper evidence showing this account belongs to me ( which it does not ) this item must be removed.
Product: Student loan

I am unable to access my Nelnet student loan account. I just discovered these loans on my Credit Report and am trying to make payments. 

When attempting to recover my username or password on nelnet.studentaid.gov I am redirected to an XXXX  XXXX XXXX page. 

I have tried numerous times to clear my cache and ensure it was not an error on my computer. At this point I am unable to login and make payments.
Product: Checking or savings account

I went to XXXX XXXX ATM at XXXX on XX/XX/2023 at XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. I went to the ATM to withdrawal money from my ETRADE checking debit card ending in XXXX using XXXX ATM in the amount of {$500.00}. The money did not disburse, but the amount was deducted from my Etrade checking account balance. I was charged a ATM fee of {$3.00} for a total of {$500.00}. I had to wait til chase bank opened to inform them what happened and I provided the receipt. They told me I had to contact etrade. I told them all they had to do is pull up the video and they will see the money didnt come out. I contacted Etrade and inform them of what happened and they told me it could be 2 weeks before any type of resolution.I asked ETRADE if they will provide a provisional credit of the {$500.00} but they have not. My furnace is broke down and that {$500.00} was to get my furnace fixed. I just want my money back. I have a copy of the receipt also.
Product: Debt collection

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; SPRING OAKS CAPITAL # XXXX I dont recognize this account in accordance with the fair credit reporting act ( SPRING OAKS CAPITAL and XXXX XXXX has violated my rights. XXXX5 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I was completely shocked to see inaccurate accounts appear on my credit report this morning without any explanation. Ive regularly checked my report and never had issues, but now, unexpected discrepancies showed up out of nowhere.
Product: Debt collection

I XXXX XXXX is writing this letter because of a debt that was placed on my credit profile by LVNV FUNDING LLC account number XXXX and account number XXXX. I was unaware of this debt until it appeared on my credit report. I didn't have the opportunity to assess or dispute this debt. If in fact you believe you gave me proper notification, please send me a copy of the certified receipt with my signature proving delivery and receipt. It is understood that a debt collector has 5 days to put me on notice that they acquired the debt from the creditor. I am to be notified by certified mail or mail with a tracking number advising me of the debt prior to the debt being placed on my credit report. It is my right to be in the position to dispute the debt prior to this debt being placed on my credit report. If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights. 

Per consumer law 15 U.S. Code 1692g - Validation of debts- If you can not prove you notified me of this debt prior to adding this item to my credit report, the debt must be removed as it is a violation of my consumer rights This company refuses to provide validation of this debt.