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

After checking my credit report back in XXXX, I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. I have never received collection calls from this debt collection agency. Later, I was able to get this information updated and even placed a fraud alert on my credit report. I have been in communication with the debt collection agency XXXX  XXXX XXXX ( ERC ) constantly advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX XXXX - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since XX/XX/XXXX and they have not removed this information from my credit file. ERC states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). ERC has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously, and hurt my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

Coinbase has locked me out for several days from their platform and does not allow to withdrawal my investment. Contact them after the requested a document for proof of address and ID verification and still no resolution after 5 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit account is frozen and it won't let me unfreeze my account. I try to unfreeze but it says to call office. When I call it won't let me talk to Representative XXXX.
Product: Debt collection

i just received a bill in the mail from '' XXXX XXXX '' no dr name only a date. i have 100 % coverage from Medicaid and Medicare plus XXXX XXXX medically necessary. 
this allegiant debt is from XX/XX/2022 plus added interest from TSI and a letter stating pay or it will go against my credit rating
Product: Credit card

In trying to negotiate a payment plan on debt on a Wells Fargo credit card- and though I 'm still willing to pay the full amount of the debt, the representative consistently said that they could not advise how this would affect my credit. I insisted on knowing how a payment agreement would affect my credit prior to making a decision on whether to accept the terms, but they could not say how it would be reported. I feel I have the right to know before I agree to terms. And they said I could contact the Credit Bureau 's to ask them. But I know the reporting comes from the lending entity NOT the credit bureau.
Product: Credit reporting or other personal consumer reports

There is XXXX unauthorized inquiries on my report result of an identity theft that i submitted back in XX/XX/XXXX, wich i requested to be delete it from report. But never happened, i submitted a case on XXXX XXXX and also requested the creditors to close these XXXX accounts. They closed the accounts at my request but the inquiries still remain on my report. Also there is another inquiry from XXXX wich i dont recognize. My request is the inmediate removal of these inquiries from my report. Thank you for your understanding and action. 

XXXXXXXX XXXX  inquiry XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX inquiry XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of years ago a mysterious debt to some medical group in Oklahoma showed up on my credit report. After much harassment by phone and mail I filed suit in my local court and the company/collector agreed to take the item off my credit report. Now, a new collector is trying to collect the same debt that has already been removed from my credit report twice. This is clearly a scam. 

I had to go through this long, painful process with Experian, XXXX and XXXX the last time. They just blindly allow people to put negative information on my report - the same information that has already been removed twice!! Enough is Enough!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

Trying to login to Experian 's website. Try to retrieve my user name using my birth date and social security number. Website says it sent an email to XXXX. This is not my email address. I don't have any addresses that end XXXX. I've tried many different ways to contact Experian to correct that but only run into automated responses that don't apply to this situation. I could find no way to contact a person. All phone number lead to automated systems that don't have an option for my problem and disconnect me if I try to get to an attendant.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate personal information and unauthorized credit inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I request an immediate investigation and correction of the following incorrect personal information and removal of any unverifiable or unauthorized credit inquiries. 

XXXX. Incorrect Personal Information : The following names and addresses do not belong to me or are inaccurately reported : Incorrect Names Associated with My Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These names and addresses are either not mine or are inaccurately reported. Per FCRA 609 ( 15 U.S.C. 1681g ), I request that you provide documentation verifying that I am associated with these names and addresses. If you can not verify them, they must be immediately removed from my credit file. 

XXXX. Unauthorized Credit Inquiries : Additionally, the following credit inquiries were made without my authorization and should be removed 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 Under FCRA 604 ( 15 U.S.C. 1681b ), a credit bureau may only provide my credit report if a permissible purpose exists. Since I did not authorize these inquiries, I request their immediate removal. If you can not provide verifiable proof that I consented to these inquiries, they must be deleted from my credit report under FCRA 611. 

Request for Action : 1. Remove all incorrect names and addresses from my credit report. 


2. Remove all unauthorized inquiries from my credit report.

3. Provide documentation verifying any information you choose to retain.

4. Confirm these corrections in writing within 30 days, per FCRA 611.

Failure to comply with this request will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. Please send all correspondence to the address listed above. 

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

I am filing a complaint against XXXX, XXXX, and Equifax for failing to correct inaccuracies on my credit report, despite my multiple disputes.

The issues include : 1. Incorrect account dates ( opening and closing dates ).

2. Inaccurate balances that do not match actual amounts.

3. False late payment history that is not reflective of my account activity.

These failures violate the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) : Credit bureaus are required to ensure the maximum possible accuracy of the information they report.

Section 611 ( a ) : Bureaus must properly reinvestigate disputes and remove or correct unverifiable information.

Section 623 ( a ) ( 3 ) : Furnishers of information must report accurate data to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Innovis. This is in response to complaint number # XXXX. I am disputing an account that is identity theft. The Fair credit reporting act law subsection 605B 15 U.S code 1681c-2 states [ 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, not later than 4 business days after the date of receipt by such agency of ( 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. ] ( 4 ) THE INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACTION MADE BY ME THE CONSUMER. I HAVE ATTACHED THE INFORMATION NEED FROM THIS SUBSECTION, 605B 15 U.S code 1681c-2 ( 1 ) ( 2 ) ( 3 ) ( 4 )
Product: Money transfer, virtual currency, or money service

I have an account at Coinbase. I have bitcoins and ethereum with them. 
My account has been blocked since more than two weeks. They say they are verifying my information, and that they need a few days. As i say it's been more than two weeks with my money blocked.

Try to reach the costumer service, but there's no such thing. Its an automatic email service. Impossible talk with someone on the phone. 
I think that i've been robbed. Simply as that
Product: Money transfers

On XX/XX/2016, I initiated a money transfer to XXXX to a family member in the amount of {$1000.00} + {$5.00} money transfer fee. The money was withdrawn from my bank account XX/XX/2016 and I was told the money would be available for withdraw XX/XX/2016. I checked the account status on XX/XX/2016 to ensure the transaction completed as promised by Western Union, the online status stated in process or pending. I called Western Union and I was transferred to the fraud protection unit. I was told my transaction was denied for my protection and that the funds would be refunded. Apparently, the transaction was denied and a refund was initiated prior to my knowledge and I should have been reimbursed on the XXXX. With each phone call, I would get a promise to refund my money. Eventually, I was told there 's nothing they could do because it 's a computer glitch beyond their control. I was also told to stop calling and that they would contact me when the " computer glitch '' is resolved. I requested a paper check and I was told because it was an electronic transfer, they can not give me a check. A few weeks later, no call from Western Union. I then called customer services and I was told to submit my bank statements to ensure that the money was withdrawn and not refunded. If clear, I would receive my refund in 24 hours. I submitted the statements to the provided email and still no refund. The customer service reps were relentless in telling me what I wanted to hear. I was getting transferred to " supervisors '' and different department, all led to no one that could help me. It 's almost 6 months later and the issue is not resolved.
Product: Debt collection

XX/XX/2014 I MOVED TO XXXX, XXXX AND RENTED AN APARTMENT FROM XXXX XXXX ( XXXX XXXX ), I TRANSFERRED ONE OF THEIR SISTER PROPERTIES THAT IS LOCATED IN XXXX, XXXX XXXX XXXX XXXX. I WAS TOLD THAT I COULD TRANSFER THE REMAINDER OF MY LEASE. I TRANSFERRED TO XXXX XXXX IN XX/XX/2014, I WAS RELOCATED BECAUSE OF MY JOB WHICH I GAVE PROPER NOTICE TO XXXX XXXX AND CALLED TO VERIFY RECEIPT OF NOTICE TO VACATE PREMISES IN 60 DAYS. I WAS CHARGED FOR ITEMS THAT WERE NOT FIXED IN THE APARTMENT AND FOR A WATER LEAK THAT THE APARTMENT WAS AWARE AS I NOTIFIED THE OFFICE MANAGER AFTER THE WATER BURNED MY SON. ONE YEAR LATER LIVING IN XXXX, XXXX I RECEIVED A BILL THAT I WAS CHARGED OVER {$2000.00} FOR FEES, ETC.
Product: Mortgage

I had no issues requesting 12 months covid hardship forbearance, plus an additional 3 month extension directly online with a click of a few buttons for my VA backed mortgage. 

I requested my final extension of my covid hardship forbearance on XX/XX/XXXX over the phone to Amerihome Mortgage, about a week before my current forbearance was due to expire. According to the VA I have the ability to request the second 3 month extension to my forbearance, and according to the VA XXXX, the servicer of the mortgage will aprove the forbearance. 

Now 2 weeks later, the mortgage company says they have to send a packet to me so I can prove I have a covid hardship, while technically without the approval, right now I am in default. From what I gather, they are not allowed to require documentation for my hardship and must approve if I request the additional forbearance.
Product: Credit card or prepaid card

Im not sure if I made the correct selections here, but I couldnt find the right options for our situation. Around XXXX of XXXX, my wife opened up a XXXX card to work on our credit, adding me as an authorized user. The purchase was XXXX {$20.00}. We never received our XXXX card in the mail. The card & account were forgotten, as we moved out of state a few months later. The account is showing on my credit report, me as an authorized user with late payments from around XX/XX/XXXX to XX/XX/XXXX. The account, which was opened in XXXX, had no charges in XXXX or XXXX. The account is now closed. 
We have called the collection agency and XXXX in order to remove me as an authorized user from the account. No one seems to understand what we are asking for and they keep sending us back and forth between the two places. XXXX says they can not do anything because the account is closed and the collection agency says they only handle the collections part. I understand this for the collection agency, but I feel as though XXXX could hear out this issue better and remove me as an authorized user. 
As of today, my wife and I are trying to buy a home as rent is very high in our city. Financially, we would much better off owning a home and saving a few XXXX dollars a month, than sinking money into rent on a home we can not own. We need the account taken off of my credit report to raise the score enough to qualify for a home loan. Our lender suggested that we reach out to CFPB for any help we could get. 

Thank you in advance for any help you can give us.
Product: Consumer Loan

I currently have an account with Freedom XXXX XXXX. I have been a customer with them for over 2 years now, from the beginning it has been stressful. I originally applied for financing for a flat screen television for a family member. I thought the pricing was good so I continued with the loan. I thought I would be done paying this off within a year but now I am still owing them over XXXX XXXX dollars. This company has been continuously harassing me about a payment that I try to make every month. Being in the military I can not fall delinquent in any payments because it was cause my security clearance to be breached and possible discharge from the XXXX XXXX. They have made multiple threats about contacting my XXXX regarding the account. I have asked them multiple times about offering me a settlement amount so that I could be completely done with them and they turned me down multiple times. This time is the last straw. I recently made a partial payment to them on XXXX XXXX XXXX. Usually they will call me and harass me with making another payment. But they only called me once on XXXX XXXX XXXX and left a voicemail. I could not answer because I was at work so I called them back as soon as I could. No XXXX answer and there is no way to leave a voicemail for them, the phone will hang up once it is ringing for too long. XXXX XXXX XXXX XXXX they took {$94.00} out of my account without me knowing. Also XXXX XXXX XXXX, they took {$190.00} out of my account without my consent. I have been trying to call them constantly and finally today I spoke with someone named XXXX, he was rude and talking over me, and even denied the transactions taking place. I even offered to send them a screenshot of my bank statement. XXXX told me that he would have his manager call me back. This is completely fraud and I do not understand why they would try to get over on young people in the military.
Product: Mortgage

Hello : Honorable CFPB : Good day and god bless-since two months ago I did file BK-XXXX and never missed the payment to triad- I will not included them to my BK-XXXX due to my financial distress-I lost my job due to XXXX  and XXXX  at worked, I have physical injuries and emotional injuries at worked that is on going, Im XXXX due to my passed XXXX XXXX with three multiple XXXX XXXX to my XXXX, I paid this company in advanced because my XXXX and my XXXX XXXX is getting worse, we send them the forms to re-affirmed my manufactured homes but was ignored, I talked to XXXX XXXX there bancrufsy department and told me, they will email it to them, I even send them the blank forms, I send email to XXXX XXXX , XXXX XXXX and the info triads info on line, they retaliated to me because I reported them about the over-payment I gave them, there escrow account send me some refund and I know in my hearth its not enough, I survived with my multiple XXXX to my XXXX, but what this company is doing to my health that causes me again to go to XXXX XXXX, they lied and the XXXX XXXX who approved my loans there sister companies did even send them the forms but it was ignored, one of my creditors XXXX XXXX di respond to my affirmation forms we send to them, Im asking this authorities to help me again, as much as possible I do not want send a concern to this institution, but they are ignoring my pleadings to me. 
Hoping for your prompt reply to this matter, I know its pandemic and thanks for all the help, I keep on receiving a bills to my home insurance and the property taxed, saying this mortgaged company didnt pay my taxes and its included to my mortgaged.
Product: Debt collection

This is a complaint against Wells Fargo for ALL of the things you have settled with them. They opened a credit card in my name that somehow maxed out at {$5000.00} and then refused to do anything about it and continue to report it on my credit report. 

They consistently charged me late fees and marked my payments as late for my car loan on a XXXX XXXX. 

They charged me overdraft fees even when my account had money in it. 

The worst of these was a combination where they would take my car payment out of my account, charge me an overdraft fee, then charge me a late fee for my car payment -- this was all done while my account had ample funds to pay the car payment.
Product: Checking or savings account

I signed up for an account with Citibank with a promotion where depositing {$15000.00} for 60 would result in a bonus of {$400.00}. There were some snags along the way because the original account was compromised and {$7000.00} was stolen. Eventually that money was recovered but because the account was compromised, I needed to reopen the account. I met the terms of the promotion by holding {$15000.00} from XX/XX/XXXX to XX/XX/XXXX ( 90 days exactly ).

I contacted them 2 about the bonus, was redirect, and got the run around. They claimed I had only held the {$15000.00} for only 30 days. In entirety, because of the first compromised account, Citibank has had this money since XX/XX/XXXX, almost 6 months without moving forward with this bonus. 

Also, their handling of the compromised account was terrible. I was locked out from online access. I had to open a CFPB complaint to regain access and I had to do the detective work on my own. Citibank also did not properly close the compromised account and continued to try to bill me. Only a CFPB complaint resolved that issue.
Product: Student loan

In XXXX I attempted to call Navient about my student loan. I could not find the number so I XXXX it. When I called the number a XXXX XXXX answered the phone and asked me was I calling about my student loans. He may have said are you calling to consolidate your student loans. I told him I was calling to request a deferment on my student loans. He went through the spill of telling me about the federal government forgiveness program. I had heard of it but never checked into it nor read about it. What he told me I took for truth and he told me that the federal government was offering the loan forgiveness program if you qualify. He asked me a few questions and determined I qualified. He told me it would cost {$390.00} and XXXX $ a month for 20 years afterwards the balance forgiven. I told him I had to think about. Up until now I thought I was talking with representative from Navient ; he then told me to think about and gave me the correct number to call Navient. I did not mention this to Navient when I called ; I only ask for the deferment information. After a few weeks I decided to call XXXX XXXX back, thinking he is with the XXXX to start the process of loan forgiveness. Unfortunately after I paid the {$390.00} to XXXX XXXX and was not able to get back in touch with him the next day I felt uneasy. I paid this money on a Thursday, Monday I called Navient to tell them what happen. They inform me that I had talked with a third party company. The company XXXX XXXX is with is called FedLoan Help Center. Navient informed me that they were playing off the name XXXX XXXX with is a legit company they deal with for consolidation and loan forgiveness and is a free service. I have called and emailed XXXX XXXX, no response. I will continue to call the XXXX XXXX XXXX to request a refund, but I have signed papers electronically and I am not sure how far I will get or how long this will take. I am furious that he had mislead me to believe he was with the XXXX and that the Federal Government was offering loan forgiveness for XXXX $ and XXXX $ a month for 20 years and then I would be forgiven for the balance. This company has misrepresented themselves on googled and used wording to make you think they are with the Federal Government and the XXXX.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. 

Collection : XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1600.00XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX {$1600.00} Repossession : XXXX XXXX {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. In addition, I am including more accounts below there appear to be new accounts that are reporting erroneously. 
XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX  XXXX XXXX XXXX : {$560.00} XXXX XXXX XXXXXXXX Balance : {$420.00}