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

XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon XXXX XXXX and XXXX  Credit reports to verify the information they are reporting. XXXX XXXX previously responded, in writing, that the following accounts are not on my XXXX XXXX Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) XXXX provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second XXXX XXXX continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which XXXX XXXX is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise XXXX XXXX would have reported the amount of the the debt. 

Both XXXX and Equifax have complied with the request to remove the wrongful reporting, but XXXX XXXX does not. This appears to be a pattern for XXXX XXXX as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor XXXX XXXX/XXXX have a legal right to continue misreporting this information. 

XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Equifax, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. 

My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : *99 % On-Time Payments.

*26 year old credit history line.

*30 % Credit Used. 
*No Recent inquries. 
*Even though I am handicapped due to your scoring for recent accounts, none have ever been late. 

I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

U
nder the new law effective XXXX XXXX, 2017 any public record data must include Name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports with XXXX, Transunion, and XXXX.
The Bankruptcy identification number is : XXXX US Bankruptcy Court XXXX, Georgia XXXX
Product: Debt collection

I was directed by the Federal Reserve complaint office to submit this to the CFPB. I will also be submitting this complaint to the FDIC and the Delaware XXXXXXXX XXXX XXXXXXXX both of whom regulate Discover Bank. 

Since all debt is the responsibility of the United States Government and I am the creditor, I do not understand how a Bank, a borrower, can charge off my account and then sell it for a profit ( they are paid by the insurance company when " charged off '' and then sell to Dent collectors, when my account has been and always will be FULLY funded by my Estate/Corporate entity. 

Discover Bank charged off my Discover card after my spouse lost my job during the COVID epidemic and that severely impacted our household income. They sold the account to XXXX XXXX, a Debt Collector and law firm XXXX XXXX XXXXXXXX. I have never entered into a Consumer Credit Transaction with Portfolio Recovery or XXXXXXXX XXXX XXXXXXXX. Discover Bank has never allowed me to participate in their arbitration after numerous requests by me. I have tried repeatedly to get this Consumer Credit transaction validated from XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXXXXXX has taken me to court, XXXX XXXX Maryland XXXX XXXX Case # XXXX and the Judge sided with them and I now have a judgement against me and are threatening garnishment. Portfolio Recovery bought a bundle of charge offs as an investment and now along with the XXXX XXXX Maryland XXXX XXXX are trying to get my family and I to pay their ROI and profit
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested all 3 credit report bureaus to put a credit freeze on my credit report back in XXXX. My phone numbers have been on the DONOT CALL List since XXXX. I have been getting spam calls since XXXX. The past year, I have been politely conversing with these perpetrators to find out why they are refusing to oblige by the DONOT Call List and how they are getting my phone number and personal information. Several of these perpetrators told me they are getting it from XXXX and especially from Experian. Also, these spammers are 3rd party and when I would say, yes let me talk to an agent, they patch me directly to the company really selling the product. So, these legitimate companies : XXXX, XXXX XXXX Medicare Benefits XXXX etc are using a 3rd party to get people like me to talk to them. I contacted both Experian. I have 3 different PIN numbers from Experian, and they told me the pins are wrong. My password questions are incorrect according to them.. I contacted XXXX and they played the same game. They do not recognize my pin number from XXXX and my answers to their security questions were incorrect. ( I think I know my own security questions since i selected them ). Now XXXX billed me for {$29.00} for their Identity Theft. I never placed an order!
Product: Credit reporting or other personal consumer reports

I am filing this affidavit to address the unauthorized reporting of two accounts appearing on the consumer credit report under the names XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The continued use of the information without my explicit written consent constitutes fraud, as defined under federal law, I have written previous CFPB complaints to Experian that they do not have my consent to report these accounts and any further use and reporting of this unauthorized information escalates to identity theft under the provisions of the Fair Credit Reporting Act ( FCRA ).

Pursuant to Title 15 1681b ( FCRA Section 604 ), consumer reporting agencies are strictly prohibited from furnishing or maintaining consumer reports without explicit authorization or a permissible purpose. The unauthorized reporting of these accounts is in direct violation of these requirements. Furthermore, under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have the legal right to request the immediate removal of any fraudulent or unauthorized accounts from the consumer credit report to protect the integrity of the consumers identity. 

The accounts listed below are fraudulent and unauthorized : XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX These accounts must be removed immediately to comply with federal law and to prevent further violations. The continued reporting of this information constitutes both fraud and identity theft, ( according to the FCRA this must be removed within four days ) for which both the credit reporting agency and any entity furnishing such information may be held liable under 15 U.S.C. 1681n for willful non-compliance.
Product: Checking or savings account

Citibank is not honoring their cash bonus on new accounts Opened account on XX/XX/2022 Deposited $ XXXX to benefit from $ XXXX cash bonus as advertised. 
I have maintained this balance since XX/XX/2022 and beyond the 60 consecutive days as required by Citibank Citibank should have deposited the bonus within 90 days and has failed to do so. 

I called Citibank in XX/XX/2022 and they confirmed that the bonus would be credited within the 90 days I called again today XX/XX/2022 and Citibank now claims that " no promotion is attached to the account ''
Product: Debt collection

CBNA IS A 3RD PARTY COLLECTION WHO IS ATTEMPTING TO COLLECT DEBT account # XXXX, I HAVE EXPLAINED AND SENT LETTER TO THAT COMPANY LETTING THEM KNOW THAT I WAS A VICTIM OF IDENTITY THEFT, THIS DEGORTORY MARK ON MY CREDIT PROFILE IS KEEPING ME FROM FINANCIAL HELP, I'M UNABLE TO GET A PLACE AND OTHER ESSENTIAL THING DUE TO THOS MATTER, PLEASE REMOVE THIS ITEM ASAP
Product: Debt collection

Moneylion has been reporting monthly erroneous account balance as delinquent for over 24 cycles. I have attempted to dispute with all three credit bureaus but with limited to no change. 

How can one account be charged off every month ( 24 times ) and remain closed? The apparent history of this account if fabricated and entirely not authorized by me. 

I never agreed to a loan or to any terms or payments. This is not only inaccurate, but predatory to report monthly charge offs to falsely pull down credit scores Reporting 24 charge offs on XXXX 7 charge offs on XXXX! 
XXXX was finally recently removed This account was never opened by me and likely part of my data that was stolen in XXXX  breach. I have reported this and attempted to contact moneylion to remove these monthly deliquent late payments as well as the entire account and history. 

Im not sure what information they have that apparently confirms its validity, but I have never opened an account with them or taken any kind of loan. Likely stolen information was used from my identity. 

Please confirm that this entire account is removed in entirety across all three credit bureaus due to identity theft and unauthorized account creation. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/scrub> 2024, i looked at my report. I sent a letter to XXXX, XXXX, And Equiefax. on XX/XX/XXXX asking them to reinvestiagate these accounts : Name : XXXX XXXX Number XXXX XXXX XXXX 2024 they sent me their invetagtion and said these accounts are complete and accurate. I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX, XXXX, Equiefax really did not reinvestigation they lied on an offical document saying they did something they did not do.
Product: Credit reporting or other personal consumer reports

I have been paying for a subscription for Experian, plus trying to get an updated credit score and information on Experian, but it is not giving me the information I need. Inaccurate information from all 3 credit bureaus.
Product: Bank account or service

XXXX XXXX ( no longer employed ) opened an account with a {$400.00} credit to me after 90 days for achieving the minimum balance requirements. I met these requirements. Citibank did not hold up their end of the bargain and my money has been tied up for four months. When I called the branch manager XXXX XXXX he hung up on me. I have tried to call the district manager XXXX XXXX but have had no success. 
i have had similar problems with Citibank in the past. Reminds me of XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accout on my credit report thats not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : 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

I have an auto loan from TOYOTA MTR, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MTR and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MTR with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2020, and XX/XX/2020. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting or other personal consumer reports

Checked my Equifax report to see an ID theft attempt in the form of a XXXX XXXX XXXX hard inquiry. Disputed the hard inquiry for that reason. Equifax rudely did not even attempt to verify and vehemently refused to remove the hard inquiry even after sharing the police / FTC ID Theft report with them I filed on the issue.
Product: Checking or savings account

During the week of XX/XX/2021 I received in the mail a debit card from MoneyLion bank, a subsidiary of XXXX. The card was a fully useable chipped debit card with my full name and an account number on it. When I called the only number available for the bank they took my email, name, and date of birth ( I refused to give them my social ) and then told me they would be submitting this to their fraud department. The rep on the phone said my account would be closed but that she couldn't give me any more information. I requested that she let me know if anyone else name, email, or telephone number were on the account to see if there was identity theft happening and she refused to give me any information. She also refused to let me know if there was any money in the account or any other accounts/ loans linked or associated with it. I then asked her if I could have the telephone number or email for the fraud department to follow up and she refused claiming that they did not have access to that information. She also refused to put me in contact with a supervisor. I am unsure whether MoneyLion is a real bank or a scam. On the paperwork I received it says they are FDIC. I do not know if they sent me this card as a fishing tactic or marketing scheme. I do know that receiving this card and the response of their customer service has left me feeling incredibly uneasy. I also filed a police report as well as froze my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 - I had sent my complaint letter to COINBASE GLOBAL , INC in which I clearly stated how this scam has affected me personally, psychologically and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, COINBASE GLOBAL , INC never acknowledge my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operations run by XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my COINBASE GLOBAL , INC account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ experian ) for the period of [ XX/XX/year> of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history. 
Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

We have paid several different companies ( XXXX in Florida took over {$600.00} out of our checking to assist us ) to help us get rid of these XXXX student loans. XXXX is in the name of Father and XXXX is in the name of Son. The Ombudsman with U. S. Dept. of Education informed us, that both of these loans were used for our Son, who experienced a motor vehicle accident ( XXXX ) and NEVER received a DEGREE of any kind from XXXX, LA. To this Day, we have on our Credit Reports both : 1 ) XXXX 120 days overdue ( but the bill I get has Amount Due XXXX ) and 2 ) Navient 120 days overdue. How is it, that WE now OWE both companies. 
These loans should have been forgiven, as Son does not work, and father is UNEMPLOYED. This agency needs to control XXXX XXXX and all Loan Servers. Many parents with children, who want to go to college, is not fooling anymore with XXXX XXXX, who only wants to ruin your credit, will not cooperate, and are quick to turn you to a collection agency. Due to this situation, WE can not STAND the STATE of PENNSYLVANIA.
Product: Debt collection

I was notified in XX/XX/2019 that I had a collections account for {$5800.00} from LVNV Funding LLC. I reached out to the collections company but they are unable to tell me who the original debtor is. For both them and I it shows as XXXX XXXX XXXX. I have never had any contact or account with XXXX XXXX XXXX before this. When I contacted the bank they stated I would have to get my information from LVNV Funding LLC. They have given me the run around but it has resulted in nothing in the last 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 



15 U.S.C 161 section 602 A. States I have the rights 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 instructions.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX  Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 an account without my written instructions To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act which it said by law, I have rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXXAccount Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX  XXXX Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to the address I put on the form area. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX