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

When Equifax had their data breach, I attempted to add a credit freeze to protect myself from their negligence, but their negligence and incompetence continues to be a problem. First, their system crashed when I put the credit freeze. I received an error message on the screen, but when I tried to reenter the info for the credit freeze, the system only gave me options for unfreezing. I did not receive the required PIN to use when unfreezing my information. 

I attempted to use the online system to issue a PIN, but all the appropriate links went to dead pages. I called their customer service number and after waiting for an hour, I got ahold of someone that said they were only answering data breach questions so I would need to call back. 

I wrote them a letter and explained that I needed a PIN for the credit freeze on my account, if indeed a freeze had been placed. They replied by mail that a freeze was in place on my account - and ignored my request for a PIN. I sent a second letter that was very clear that their system did not provide me with a PIN and the online PIN replacement process was broken. I received a letter back that said my address had changed in the last 30 days - I have lived at the same address for the past 20 years! 

I will try a third letter in the hopes of finding someone competent, but the government really needs to step in and shut this company down. At the very least, provide the consumers with an opt out for credit reporting agencies that are irresponsible.
Product: Credit reporting or other personal consumer reports

I am filing this FTC report to report XXXX  Separate fraud accounts appearing on my credit report which I don't recognize. These accounts consist of a XXXX XXXX account opened at XXXX XXXX XXXX XXXX on XX/XX/2024 and a XXXX XXXX XXXX  account opened at XXXX XXXX on XX/XX/2024. As well as a XXXX XXXX account opened on XX/XX/2024. I demand these fraudulent items be deleted from each of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. I called and spoke to a representative to pay this account and I was told that this account had a {$0.00} balance due. Unfortunately, there is another account that is similar XXXX partial account number XXXX which is closed/lost. This closed/lost account was credited with the payment. Consequently, the current account was never credited with the payment and that is why the account is showing late. The representative realized this was their mistake, however the bureaus are still reporting this account as late. ( Please see page 3 of the attached credit report. )
Product: Student loan

Student Loans where taken out in my name by my ex-wife University of XXXX  and XXXX XXXX XXXX which in my divorce I won the case and she was told to pay back all of her student loans then she file for XXXX and they end up putting the loans back in my name which I have sent in information about fraud activities the information that they sent me was not even my name wasn't spelled incorrectly my date of birth  always wrong so if you could help me with this I would truly appreciate it.
Product: Money transfer, virtual currency, or money service

I have attached all the detailed information about what happened to me in my letters.
Product: Debt collection

Received two ( 2 ) Delinquent Account letters, from the XXXX XXXX XXXX XXXX ( AMCA, Collection Agency ), XXXX XXXX XXXX, Building XXXX, XXXX, NY XXXX. Each of the letters ( last letter did XX/XX/XXXX ) showed differing amounts due for for lab services  received on XX/XX/XXXX. Although, I did have a physicians appt that day, I did not receive any services, which would have involved XXXX XXXX XXXX, the company shown on the collection letter as not receiving payment from me. This information was confirmed with the physicians office, I had an appointment with, on the date of service shown on the Delinquent Account letter received. The physicians office also checked & confirmed they had NOT 1 ) mistakenly billed me for another patients service & 2 ) I had no payment due, from this visit, since it had been paid by my primary health insurance company with the remaining balance paid by my secondary insurance, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Additional information concerning my consumer Credit profile has been updated and verified by Experian on XX/XX/2019. However, there were absolutely no changes were made to the following accounts. ( Please see enclosed attachments for further details ). 

( XXXX XXXX XXXX ) - still reports as verified and updated even though I've asked Experian to provide methods of verification. This is a violation. 

( XXXX ) - unkown account. This account is unknown and can not be verified after investigation was processed & updated. This is a violation. 

( XXXX XXXX ) - appears to verified even though I've sent a Unverifiable billing statement of which I've received by the original : creditor Yet, after a reinvestigation has been processed & updated Experian has refused to delete this inaccurate account. ( A Violation ). 

( XXXX XXXX XXXX XXXX ) still currently reporting Unverifiable information on my Experian credit report after Account has been disputed. A violation ( XXXX XXXX XXXX ) Still currently reporting inaccurate information. Even though Account was investigated and updated. A violation ( XXXX XXXX XXXX ) - still reports inaccuarte information even though account was investigated. A violation ( XXXX ) ( 2 ) accounts reporting inaccurate by XXXX. A violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Checking my credit report, account MACYS/CBNA ( XXXX ) shows late payment remarks that are inaccurate since I have not missed any payments. I have made several disputes regarding this issue ; however, the remark only seemed to 'validate ' itself according to them, but in none of their responses did they provide certified information that verifies I was indeed in delinquency. This is why I am filing this complaint, as I believe the company in question is violating the following sections of 15 : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete. 
15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information. 
15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : You have failed to provide me with clear and conspicuous notice of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent in a dispute letter to TransUnion, XXXX, and XXXX about some accounts that i saw on my credit report. That was over 120 days ago, i also have been sending in more letters every month to try and get these accounts removed or updated. The most recent letter was sent on XX/XX/XXXX. They have been ignoring me. The accounts are not accurate, and they haven't even verified them with me properly. They have failed to maintain proper documentation and accuracy with me. How can they just violate my rights with no explanation for well over 120 days? I always though that the Fair Credit and Reporting Act was supposed to guarantee that they report only accurate information. This is all really confusing because each reporting agency is showing different information. Some late payments are complexly wrong and unverified yet they wont remove them. Other accounts are closed yet still showing they are open and missed payments on a closed account, it is a complete mess. I just want all of the incorrect information on my account removed because this is stressing me out like crazy. I haven't filed an FTC report because i want to go to you all first and hopefully they will just remove all the inaccurate information now. But they are in violation of my consumer rights i need some help.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/year> I had a disbursement from XXXX XXXX XXXX limited in the amount of XXXX XXXX Since then I had been trying desperately to access those funds and have the money transferred to my bank. From day one I had been trying and got nowhere it kept giving me errors and wouldn't even allow a standard bank transfer. Several days later they revealed they froze my account with no real reason or explanation as to why this occured and to submit my ID to verify it was my account. I had done so and several days later they emailed me saying my account was permanently deactivated with once again no explanation and refusal to release the money back to me saying they would keep the money for 180 days. I have tried everything and have contacted and contacted there support with no actual answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX and Account name XXXXXXXX XXXX XXXX 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 a account without my written instructions
Product: Debt collection

Madam/Sir, this letter is a formal complaint that is reporting inaccurate credit information. Specifically, they want to screw up my credit and threatening me to a pay the amount that I do n't owed them. The charge is incorrect and misleading by this collection company and fraudulent. I am very distressed that in my credit profile due to its effect. Please help me to stop these gangbusters. Please adviseI was charged without my awareness {$4200.00} as of XX/XX/2015I never seen a Doctor or signed any document regarding any medical treatment. 
Somebody is using my name and ruing my credit. Please help. 
This is the company 's information below. 
WESTSIDE RECOVERY SVCS {$4200.00} as of XX/XX/2015Collection account. {$4200.00} past due as of XXXX 2015. 
Their XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX never signed or get any treatment by this company as of 2015 or prior to that year. 
I do n't owe them {$4200.00} dollars. They 're scamming and ruing my credit. Please help me taking care of this weird issue from this company. 

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

Heres the updated version with the casual tone and specified laws included : The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I reviewed my Experian credit report on XX/XX/XXXX, and found several issues with incomplete or inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), credit agencies are supposed to make sure all the information they report is accurate. The accounts listed below dont meet those standards. 

Supporting Evidence ( Experian Report Details ) : XXXX. XXXX XXXX Inquiry Date : XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX  XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX Date : XXXX Removal Date : XX/XX/XXXX Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXXXXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX Used Phone Number : ( XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX Date : XXXX Removal Date : XX/XX/XXXX Type : Automobile Dealers, Used Phone Number : ( XXXX ) XXXX What the law says : If something on your credit report is wrong, the credit agency is supposed to fix it or remove it after looking into it. Under 15 USC 1681 5, theyre required to delete or correct any inaccurate or unverifiable information.

Specifically : 1. If the information cant be verified or is found to
be wrong, they must : Delete or correct the item in your file.

Let the furnisher of the information know about the change.

And under 15 USC 1681s-2, furnishers arent allowed to provide any information they know or have reasonable cause to believe is inaccurate to a credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection/XXXX  XXXX is reporting a fraud account on my credit I dont know what this account is and I dont recognize the doctor affiiliated with this company. Please remove this account from my credit XXXX is a fraud account. I never opened this account nor did I use this account. 
Please see the attached FTC report and my driver license and remove this account from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted disputes with Equifax on XX/XX/2023 for unauthorized hard inquiries that i think someone was trying to establish credit in my name. The investigation was completed today XX/XX/2023 without a reasonable investigation. According to FCRA legally these unverified & unauthorized items Must be removed. I directly dispute the completeness and or accuracy of information contained in my consumer file. As per FCRA there here to reinvestigate is an intentional and/or negligent FCRA XXXX talked to the fraud dept to resolve these issues as wel as placing a fraud alert & freeze on my credit reports.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. WELLS FARGO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian regarding two accounts that were opened as a result of Identity Theft Experian removed one of the accounts which was found to be fraudulent that being XXXX XXXX XXXX XXXX acctXXXX .... Bal Account charged off. {$5900.00}. They advised upon removal it was found to be fraudulent and was removed in 2016 Experian advised the Creditor requested contact as well. So I contacted XXXX as they said I should I then provided them all of my contact info per their request. Now a year later they reinserted the previously deleted information and Experian subsequently is verifying the account as my own since XXXX now has all of my actual information. This in itself in is a violation of FCRA and XXXX. This account needs to be removed immediately and any reinsertion is to be barred. I did the same thing with XXXX - XXXX XXXX Address : XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Account Number : XXXX .... 
I was advised this account was opened via a credit alert. Immediately notified experian and requested removal. I contacted the creditor provided them my info which they subsequently added to said account. Now once again Experian is " verifying as my own '' the information on the account was out of New york a place I have never resided. This again needs to be removed immediately. There was also a credit fraud alert on all 3 bureaus advising I must be contacted prior to opening any accounts which was not done as well. These accounts are fraud and should not be listed. If they are still on my credit in 30 days I will be filing a lawsuit against Experian. 
The following Inquires are also a result of the above listed fraud and must be removed : 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 or other personal consumer reports

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following companies, EXPERIAN, XXXX and XXXX have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 

Closed accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX sold. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Secured Loan. Date Opened : XX/XX/year>. 
Closed. Charged off {$220.00}. 
XXXX XXXX XXXX XXXX XXXX SC XXXX Phone # ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX. 
Original creditor : XXXX XXXX Collections {$970.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Original creditor : XXXX XXXX XXXX XXXX 
Collections {$100.00}. 
XXXX XXXX XXXX XXXX, MA XXXX Phone # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. 
Original creditor : XXXX XXXX. 
Collections {$88.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX. 
Original creditor : XXXX XXXX XXXX Collections {$4500.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Consumer Laws to reference U.S.C 15- Chapter 41.

15 U.S.C. 1681i ( a ) 5 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 5 15 U.S.C 1681S-2 15 U.S.C 1681 ( i ) 15 U.S.C 1681 ( i ) 5 XXXX XXXX XXXX XXXX SS # XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX. Phone # ( XXXX ) XXXX.
Product: Credit card or prepaid card

Hello to whom it may concern, my name is XXXX and I am writing to you because what is happening about this case is unacceptable at this point. 

I purchased an item from XXXX on XX/XX/XXXX of XXXX, the item did not get delivered until second week of XX/XX/XXXX. I paid for this item with my XXXX XXXX CARD that I had saved in my PAYPAL ACCOUNT. 

I received the item completely damaged and had to go back and forth with XXXX to agree to take the item back, after a few months of going back and forth with them they finally accepted the return and reached out to me letting me know they will refund me to my original method of payment. About 2 weeks went by and I still did not receive a refund. I followed up with them and they told me they released the money back to PAYPAL, and PAYPAL SHOULD HAVE RELEASED IT back to my XXXX XXXX card. 

I called Paypal they told me they sent it to XXXX XXXX, I assured them they did not because I never received the money back. 

I called XXXX XXXX and they told me they never received the money from Paypal. 

At this point I was so frustrated because it was a back and forth and nobody was able to tell me where my money is. I had a 3 way call with both XXXX AND PAYPAL, and XXXX told PAYPAL SUPERVISOR LOUD AND CLEAR they never received the money from them therefore they are not able to credit me anything back. XX/XX/XXXX PAYPAL Told me they were going to find out where the money is, it is now been a month and a half later and every time I call them they tell me I need to call XXXX and at this point I am tired of this situation. I keep paying interest on a money amount that should have been credited to my account months ago and no one is willing to take responsibility for this and give me my money back. Every time I call them they pretend they do not know what happened. 

The total I need to be refunded is {$1800.00} The PAYPAL CASE NUMBER IS AS FOLLOWS : XXXX The XXXX CASE NUMBER IS AS FOLLOWS : XXXX The PAYPAL Ticket rush number XXXX that was supposedly escalated to get me my money back in 34 hours ) is as follows : XXXX Please help me!
Product: Money transfer, virtual currency, or money service

Someone hacked my account in cash app when I thought you could never go negative but it's almost {$500.00} and I'm also unable to pay the {$250.00} due to this and I keep getting interest charges
Product: Debt collection

I have received numerous calls from the collection agency from all different kinds of numbers calling a XXXX XXXX I need to pay my bills and just because Im in the military doesnt mean I dont have to pay my debt kept explaining to the collection agency I dont owe the debt I disputed it with the credit bureau XXXX XXXX and XXXX  and they both came back verified I called XXXX asking for a hard copy or a contract to validate this account they were unable to provide it contacted the collection agency asked for the same they said they didnt have to provide that because its my social and my address which is a very old address called the credit bureau asking them to provide me with why they allegedly thinks is verifiable and they told me the social security number matched and the address thats on my report matched I told them thata why anyone can just put anything on people credit report and say its verified and thats not enough for me I need proof they have all failed also XXXX made me aware that the agency thats calling trying to collect is not The Who should be calling or they should not be on my credit report at all and gave me another collection agency and I called them to make them aware this is not my account and Im in the XXXX and they are playing with my job and my life for my clearance they laughed and told me good luck
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit file XXXX is reporting late payments on my account for XXXX account no : XXXX. The below dates are dates with incorrect reported late payments, my account is on good standing however XXXX and Transunion are reporting incorrectly which is affecting my ability to fair credit. This violates numerous consumer laws under the Fair Credit Reporting Act. I have repeatedly attempted to have this corrected with XXXX and Transunion. I am requesting to have these the following updated to paid as agreed and have late payment removed. 


XXXX is reporting the following inaccurate status : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX Transunion is reporting the following inaccurate status : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX my checking account was cleaned out by someone posing as a bail bondsman. Capital One denied my claim, calling the charges ( all via ATM ) authorized. They werent. So now Im out {$3200.00} and said bank is either an accessory or an accomplice to a felony
Product: Money transfer, virtual currency, or money service

Hi, On XX/XX/2018 a {$25000.00} wire was sent to Coinbase.com. The wire was rejected due to the account using my middle name, which i go by, instead of my legal first name. The wire was supposed to be reversed and received by my bank within 7 business days ( which already is a ridiculous wait period ). It has been over 7 business days already and we still have not seen anything or received any correspondence from the company.

I can provide detailed information on the wire sent to coinbase.

Amount : {$25000.00} Date : XXXX/XXXX/18