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

On XX/XX/2018 I submitted a debt validation letter to XXXX XXXX for account # XXXX. This account has been reporting as negative on my report and I have disputed it also with the individual credit bureaus. The credit bureaus XXXX and Transunion advised me to dispute this information directly with XXXX XXXX, and I did so by sending a debt validation letter which I have attached here. I sent the letter certified mail on XX/XX/2018, and since that date the item has not been removed from my credit report and XXXX XXXX has failed to provide any validation of debt as requested. I received a letter from XXXX XXXX showing an application for XXXX XXXX at an address that does not belong to me, along with a phone number that does not belong to me. I have attached that letter to this complaint. The address is XXXX XXXX XXXX # XXXX XXXX Texas XXXX. I do not live at this address and I am not associated with XXXX XXXX that lives at this address. I have disputed this same address and other accounts with XXXX and Transunion. I feel they are using this address to verify debt that does not belong to me. I have sent in copies of my current state identification, as well as utility bills showing my correct address to XXXX as well as Transunion. XXXX XXXX is using name similarities, and an address that does not belong to me to justify reporting this account as mine. Neither my social security number nor my XXXX identification number are listed anywhere on this application. This is not accurate debt validation and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Experian is showing 1 student loan on my credit report. 3 credit cards. I actually have 4 student loans and 3 credit card accts, for a total of 7 accounts. On XX/XX/XXXX Experian ( closed 2 of my XXXX, XXXX XXXX XXXX XXXX  accts ) decreasing my score by XXXX. These XXXX XXXX XXXX XXXX  accts are " Installment Loans '' and are suppose to be listed on my credit report. On XX/XX/XXXX I filed a dispute with Experian. On XX/XX/XXXX my score increased by XXXX. On XX/XX/XXXX my score decreased by XXXX. I called Experian, mentioned my dispute regarding my accts closed, asked why my loans were closed. CSR said they're not showing closed. I explained they're obviously closed on my end, that's why I'm calling. Tried to dispute online, it wouldn't allow another dispute regarding the same matter. XX/XX/XXXX my score was decreased again by XXXX. So, I sent paperwork ( certified ) on XX/XX/XXXX to dispute this incorrect information regarding my 2 XXXX XXXX XXXX XXXX  ( XX/XX/XXXX deferred ), are deferred ; however, I've still been paying them monthly. They have decreased by score a total of XXXX by closing my 2 XXXX XXXX XXXX XXXX  ( Installment loans ) accts Experian has decreased my years of credit history for my XXXX Dept of XXXX XXXX XXXX XXXX XXXX  ; therefore, decreasing my actual score. As of XX/XX/XXXX, Experian disputes are done. Nothing has been added! My credit report still reflects only 1 student loan and 3 credit cards, 4 accts when I actually have 4 student loans and 3 credit cards for a total of 7 accts. I talked to a CSR at Experian today, XX/XX/XXXX, I asked why my Direct XXXX XXXX XXXX were closed, she said, She sees only 2 loans. She said, Experian is reporting what XXXX is sending them. She didnt go any further with my other 2 loans not being on my report. I told her I'm paying all 4 of my loans monthly. Obviously, I know how many loans I have. I called XXXX, the CSR said there were no disputes through Experian in their system. She said, they are reporting every month and all of my loans are open not closed. XXXX, XXXX, XXXX are showing all of my loans open as well. Experian Dispute Report # 's, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

The last time I sent these Consumer Reporting Agencies some letters, I asked them to process a REINVESTIGATION on these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only received your system-generated letter in a mail from TransUnion, with a File Number : XXXX. Aside from that, no resolution has been made. You know, this is very important to me because I am trying to maintain my credit scores to the best of my ability, so I can request for future loans which will be used for some important purposes. If they wont correct these errors and mistakes that they have furnished on my credit report, then these would definitely hinder my chance to apply for some credits.
Product: Credit reporting

I received my auto insurance policy renewal, after reviewing it and saw it increased by {$450.00} since the previous XXXX month renewal I call communicated with the insurance company, XXXX XXXX. They said the reason for the increase was because of credit report. I told XXXX XXXX my credit had not changed except that I got a home mortgage and I had great credit history and score, otherwise I could have not gotten a large home loan. I could not review my credit history online. I have a very good job, have never not paid my insurance policy premium. If getting a mortgage loan has given me a bad credit score then some it bad wrong with this system and needs to be eliminated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX  Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX   XXXX/XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please remove this fraud inquiry froI am a victim of identity theft please remove this fraud inquiry from my credit report.m my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 i file a cfpb complaint with XXXX and Transunion and still haven't Responded, modify, or deleted anything. This is against my rights its been 30 days as well. 

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. Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX 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 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: Mortgage

I was never notified by my lender the credit scores or the important factors affecting my credit scores that the consumer reporting agency distributed to them in connection with my home loan until two days ( XX/XX/2020 ) before my original closing date ( XX/XX/2020 ) by my loan officer. He stated that if my credit score was a little better then I would have been able to get a 2.9 % interest rate instead of the 3.125 % that I was currently offered ( costing me roughly {$30000.00} more over the course of the loan ). When I asked him what the score was that he was using to qualify me for my loan it was 100 points lower then what I thought it was. 

The key ( only ) factor affecting my credit score was an invalid collections claim on my account that I thought was removed in XX/XX/2020. My loan officer never told me my score, that I had a collections on my account or asked me if the collections claim was valid. 

After finding out this information, I called the collections agency and they removed the claim from my account roughly a week and a half later ( XX/XX/2020 ). 

When I inquired why my score and the collections impacting my score was not disclosed to me the loan officer, project manager, and regional VP all told me that it was not discussed with me since my score was what they considered to be " good ''. The project manager went on to say if my score was a little lower they would have disclosed this information to me. His justification for this was that they are not in the business of being " credit counselors '', they are just there to give people loans. Basically, they decided for me what was a " good enough '' score without giving me the opportunity to decided for myself. 

The regional VP did say he was " very surprised '' that my loan officer did not disclose the information to me but was unwilling to compensate me for this mistake because they currently were not making enough money on my loan as is. 

I was giving the option to have my credit re-pulled but was told that it may actually result in a higher interest rate if interest rates have increased from my current 3.125 % interest rate or the 2.9 % that I was told I would've qualified for ( the lending company does not publicly disclose their interest rates ) and that they may not be able to close my loan on time if I had my credit re-pulled which would result in me losing the house. So this was not a viable option for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several unrecognizable credit inquires on my credit profile. I do not have an open line of credit with the majority of these companies. I have written letters to the companies and filed credit disputes. They are responding that this is factual information. I disagree with their responses.
Product: Debt collection

Company says this account is verified but failed to provide verification of account. This {$280.00} debt does not belong to me.
Product: Debt collection

Theres a medical bill and many closed off bank accounts that I didnt even open and reached out to the bank there saying its added on my credit line and Ill have too dispute it or pay on the account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XX/XX/2022.
Product: Debt collection

Hello, I am reaching because I was a financially affected from COVID-19 & the global shut down that happened in XX/XX/2020. I had recently graduated from XXXX XXXX XXXX XXXXXXXX that same week. My only source income was XXXX XXXX XXXX XXXX XXXXe which ended which I was out of school. I was not able to work or find a job due to the government shut down. I reached out to several rental assistance program for help. The property manager at the time refused to submit their affidavit forms which resulted in denials from incomplete applications. I was finally approved for rental assistance XXXX years later from XXXX but the apartment complex XXXX XXXX is not under new management ( XXXX XXXX ) & the funds were sent there. I have documentations on my approval, the amount, date & the clearing document number. The current property manager keeps avoiding my communications as I need the funds sent to the correct locations because the delinquent balance has been sent to collections. This has affected me from applying for apartments & finding stable housing.
Product: Debt collection

I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.

Also I have been in contact with the office of XXXX XXXX Attorney General of the state of California under the advise of the FBI Internet crime division - XXXX XXXX.

XXXX XXXX has very quickly resolved the XXXX XXXX, XXXX XXXX, Walmart accounts and found them to be fraudulent, the XXXX XXXX XXXX XXXX Card on the other hand I have not heard from, it has been over 6 weeks now since the original dispute, over the time frame given in the FCRA 2009 Section605B ( a ) requires CRAs / Data furnisher to block the reporting of any information that the consumer identifies as information that resulted from an alleged identity theft, within 4 business days.

I have supplied Synchrony Bank / Synchrony Financial with all the proper information under the FCRA & the FDCPA to fully investigate and delete this account, it is absolutely upsetting how the other accounts which presumably have the SAME info as the XXXX XXXX XXXX XXXX account were all finished and processed quickly and this is going over 6 weeks!!!

I will be opening a inquiry with the AG office of XXXX XXXX in regards to Creditor Negligence, I have supplied all the federally mandated paperwork to the creditor at hand.

AND to top it off the creditor is reporting this account as still being paid as I will show in the file attachment.

I truly just want this resolved as fast as possible as Synchrony has been outstanding in the previous 3 accounts. I will once more state that this account can not be transferred, sold, or be collected on under the FDCPA 2009 as the proper authorities have been notified.

FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. "
Product: Bank account or service

I opened an basic checking account with Regions back in XX/XX/XXXX/XX/XX/XXXX. At that time I was advised to opt-in to the overdraft protection. Based on the explanation, it sounded like a good feature. 

Sometime in XX/XX/XXXX, I experienced my first overdraft but it did n't make sense to me. I called in and the agent I spoke with could n't adequately explain the logic behind why I was charged. The way the information was listed on my account online suggested that I had enough funds in my account and that the overdraft fee is what overdrafted my account! At that time, they refunded an overdraft fee and helped me opt-out of the feature. 

As it was explained to me, opting-out of their overdraft protection would PREVENT any overdraft scenarios from happening. This is clearly not the case. 

Fast forward to recently, I made a debit card purchase online on XX/XX/XXXX and that purchase did not " clear '' until yesterday. Every single day I 've been checking my available balance and every single day it showed this {$39.00} had already been subtracted from my balance. But now when I check today, it just posted and caused me an overdraft. 

Additionally, on several occasions they have been unable to explain the order of transactions. I get a different answer every time I talk to them. Their response is always that I should keep a paper ledger. I should be able to use the TOOLS they provide to view an accurate balance. Otherwise its a bait to lure me into spending money I do n't have. I RELY on that tool to track my finances. T hat 's why its there. It is a realtime digital ledger.
Product: Debt collection

I, XXXX XXXX am writing this written complaint to the CFPB in regard to the lack of information that was received from COLUMBIA DEBT RECOVERY LLC DBA GENESIS. In the initial complaint that was filed against COLUMBIA DEBT RECOVERY LLC DBA GENESIS, I, XXXX XXXX, stated that the debt collection agency did not have license to collect in the state of Tennessee. COLUMBIA DEBT RECOVERY LLC DBA GENESIS responded that they are licensed to collect in " all municipal states ''. This has not been proven to be true. The XXXX XXXX XXXX  gave this debt collection agency a bad rating. I, XXXX XXXX, have reason to believe that this is a factor as to why. In the initial Debt Validation letter that was sent to COLUMBIA DEBT RECOVERY LLC DBA GENESIS, they were asked specifically for proof of this claim specifically, they were asked to " provide GENESIS 'S business license number. '' This request was ignored. It was requested that the original contract and all statements proving the validity of the account for when it was opened be provided. This information was not received. There was only a copy of an alleged contract provided. I, XXXX XXXX, requested that the debt collection agency provide the " agreement with GENESIS 'S client that grants GENESIS the authority to collect this alleged debt. '' This request was ignored. COLUMBIA DEBT RECOVERY LLC DBA GENESIS has violated the FDCPA per 15 USC 1692e ( 2 ) ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. It was requested in the initial Debt Validation letter " Whats GENESISS commission for the debt if collection efforts are successful? '' This request was also ignored. I, XXXX XXXX, have reason to believe COLUMBIA DEBT RECOVERY LLC DBA GENESIS has not provided me confirmation of Federal statutory law, enacted pursuant to constitutional authority '' with the company received from the alleged original party for the alleged account. This debt collection agency is factually picking and choosing which information they would provide instead of providing what was requested in the initial Debt Validation letter. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. COLUMBIA DEBT RECOVERY LLC DBA GENESIS stated that they only communicate with consumers as " GENESIS ''. This statement is false and can easily confuse any average consumer. This is why the law calls it deceptive practices. If this was the case, they would have addressed themselves as " GENESIS '' only during our communication and excluded the name " COLUMBIA DEBT RECOVERY LLC ''. COLUMBIA DEBT RECOVERY LLC was included during all communication through electronic email and was perceived as such. This is a violation per 15 USC 1692f ( 8 ) and is perceived by XXXX XXXX the consumer as a form of harassment, obscene and profane language per 15 USC 1692d ( 2 ) in which COLUMBIA DEBT RECOVERY LLC DBA GENESIS can not determine what is obscene and profane to an individual.
Product: Credit card

Unauthorized charges totaling {$720.00} applied to my credit card over the past three months for Google Ads services. Despite my communications and their subsequent investigations, I maintain that I did not initiate or authorize any advertising campaigns through Google Ads, as my promotional activities are conducted exclusively via XXXX platforms. 
Their recent correspondence indicates that a Google Ads specialist found no signs of unauthorized access, deeming the expenditures legitimate. I firmly dispute these findings. As a meticulous professional, I have not engaged in any Google Ads campaigns, nor have I authorized any such expenditures. The absence of unauthorized access does not preclude the possibility of internal errors or fraudulent activities that may not be immediately apparent. 
Furthermore, I did not receive any notificationsvia email or other meansregarding these charges or the initiation of any advertising campaigns. This lack of communication prevented me from identifying and addressing the issue promptly, exacerbating the situation.
Product: Money transfer, virtual currency, or money service

Coinbase charged my card twice without my authorization. Resulting in insufficient funds, therefore they took my XXXX  and some XXXX  claiming I initiated a buy without enough money in my account, I have tried to resolve this thru customer service portal, with no success, and then filed a complaint, they said they will let me know within 15 business days the results, it went a full 15 business days and they emailed saying they need another 20 business days to look into it, I have heard nothing since and they erased any of the transactions on my account. I Filed a complaint with XXXX, similar response from Coinbase. They dropped {$50.00} in my account for not getting back within 20 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

As I was looking over my credit report I noticed an unauthorized Inquiry.