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

The Credit bureau Equifax stated my account XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. They dont seem to be practicing Metro 2 Compliance! This is a clear FCRA violation and is grounds for deletion. They also violated my rights under 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.

Also, they were asked several times to provide the information below and failed to do so.

1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and collections ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original accountholders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to '' promptly DELETE all inaccurate information. ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from 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 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 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 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 Please remove it from my credit report.
Product: Credit reporting

I tried to put a freeze on my credit.I do n't want ANY loan or credit issued in my name for any reason.I could not get it done.I called XXXX and XXXX, they were great, they got it done.Now we get to the problem Experian, These clowns need to get into the 21rst century.You can not reach anyone by phone or email.If these XXXX think I am goingn to send ALL my info by mail, in one envelope, They need to get in step with the industry stars.They need to read the definition of customer service.And Snail Mail is not service or SAFE.How can I rectify this roadblock.XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX 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 : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2500.00} ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XXXX I sent an investigation letter to Experian asking them to investigate a particular accounts status and requested that if it could not be verified within 30 days that it be deleted. on XX/XX/XXXX I received the results of that investigation from Experian and the outcome of that investigation was that the information could NOT be verified and the account was DELETED from my credit report. When I pulled my credit report mid XXXX the account was deleted from my report. However I recently refreshed my report on XX/XX/XXXX and the account was placed back on my report after I received a letter it was deleted. I had NOT received a reinstatement letter in those 4 months at all. Also the current reporting is INCORRECT and shows I have a balance which I do not. I have proof of payment in full. 
After I initiated a dispute with Experian on their website they then sent me a reinstatement letter 4 months after the fact. This is not following the rules set forth and is harming me in many ways especially during Covid. I have copies of all the documents sent and received and I would like this removed from my credit report as they are not following their own rules
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 2. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

3. Identity Theft XXXX XXXX Account Number : XXXX Please investigate and remove the late payment. 

4. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account USDOEXXXX Account Number : XXXX Please investigate and remove the late payment. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

SETERUS has charged me {$10.00} for their mistake. My payment is due the XXXX of every month. I sent in my XX/XX/XXXX payment with the monthly coupon to SETERUS that they received and allocated to principal only on XX/XX/XXXX when the payment of {$540.00} was supposed to be allocated to monthly payment of principal and interest as was indicated on the coupon. They called me about XX/XX/XXXX saying I was late with my payment! I told the representative that it was sent in and she found where the payment had been miss allocated to principal instead of the monthly payment. She vowed to correct the error but failed to tell me it was going to cost me {$10.00} for their mistake! This not the first time I have had difficulty with SETERUS. They even lost a {$2000.00} payment I made on the principal which was not corrected until I found the cancelled check and sent that to them. They have changed their payment coupon so that there is NO space to allocate additional funds for the principal only. I have made several additional principal payments plus the normal monthly payment that arrived at their office prior to the first of each month due date and they allocated the entire amount to principal and called me asking when I was going to make my monthly payment when in fact they had {$2000.00} additional principal plus the monthly payment of {$540.00} in their account from me.
Product: Credit reporting or other personal consumer reports

Im currently moving and Im having an issue with my rental score, I was told I had XXXX factors on my rental score that was affecting it that was paid off XXXX years ago. I was told that I had to submit the documentation and that it would be taken off. I have been calling every day. No one is giving me any information. Everyone is keep saying the same repetitive issue when Ive asked to speak to someone higher up they have a supervisor call me in the supervisor helps me the same issue. I have made it very clear that I moved out my home XXXX weeks ago. Im currently homeless. This is affecting me finding somewhere to live and no one seems to care, everyone gets quiet on the phone and still repeats the same information Ive asked how can I dispute something with Trans Union? No one wanted to give me that information just kept telling me that I would receive a call from supervisor within XXXX hours
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcy to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 U.S.C 1681.

15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer.
They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 U.S.C 1681.

According to : 15 U.S.C 1681 Section 602 A States I have the rights to privacy.

According to : 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 According to : U.S.C. 1681s- ( 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: Debt collection

I declare under penalty of XXXX ( under the laws of the United Slales, I execuled oulsict of the United States ) that the foregoing is true and correct to the best of my knowledge. 

Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 

also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. 

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person of company - without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Product: Debt collection

I got a letter dated XXXX XXXX XXXX regarding a debt I did n't owe.I identified the account was some sort of identity thief ... .Someone had been using my name around the city without consent ... I cotacted Procollect and allowed them the Police report and letter disputing this account.I keep accurate credit with a 700 plus score.I do n't intend this harm my credit any longer. I have asket this company for a legal address for service of a legal law suit.. this company have n't sent documents signed in my name or any request for there address.I submitted this several time via fax.
Product: Credit reporting or other personal consumer reports

I have been in the dispute process with XXXX XXXX XXXX XXXX Experian Credit Reporting for months. Initially I began my disputes with detailed letters explaining several FCRA violations that XXXX is in violation of and how the most important one according to " CFR PART 1022 ( REGULATION V ) ''. In addition to several other FCRA law violations that XXXX XXXX XXXX is in violation of the one I am bringing up is the consumer right to " opt-out ''. I was never provided any opportunity to opt out of public information sharing or third party information sharing by the creditor XXXX XXXX XXXX. I sent them several letters explaining this law and they refused to acknowledge their violations and the breach of consumer privacy. Furthermore they sent me a copy of a contract of which I reviewed and yet there still was not any opt out form or any form bearing my wet ink signature, XXXX XXXX XXXX wet ink signature, or any third party non-affiliate signature allowing my personal private information to be shared. After recognizing letters were not working I began disputes with Experian directly. Since XXXX of XXXX until current all my disputes have been verified as accurate. I even filed a FTC identity theft report and the account still got verified as accurate. On XX/XX/2024 I called Experian directly specifically the fraud department and asked how is this account being verified as accurate and what paperwork or documents are being provided to you all to verify the account. To my dismay the representative responded and said they do not conduct an investigation, that they send the request to the creditor and the creditor has thirty days to respond. I asked how can you all report an account that impacts my personal life when you all do not review any documentation or contracts and verify that it coincides with federal law. I was told that everything is through the creditor. I requested to speak with an Experian XXXX XXXX with whom they connected me to a woman by the name of " XXXX ''. I asked the same information, she very dismissively stated the same as the representative had before and claimed Experian does not conduct any investigations nor reviews documents or contracts for validity in accordance to FCRA law but pretty much they just take the creditors word for it and reports anything. This has caused me emotional and financial strain as it has impacted my credit score, opportunities to obtain credit, jobs and more. XXXX XXXX XXXX is creating deceptive contracts and violating FCRA and consumer privacy laws as is Experian Credit Reporting.
Product: Checking or savings account

I am writing to formula dispute unauthorized hard inquiries on my credit report that are negatively impacting my credit score. I have no business relationship, accounts or authorize transactions with this company and want immediate removal of this heart inquiry, and to report it to all credit unions
Product: Money transfer, virtual currency, or money service

I hope this message finds you and your families doing well. 
This Complaint is for CoinBase Pro Trading Platform. I have approximately XXXX XXXX XXXX U.S. Dollars ( not cryptocurrency ) on the CoinBase Platform. Coinbase will not give me access to my Dollars. I have been locked out of my account and they will not give me access no matter how many times I submit a request to support. On XX/XX/19 I had an indication on my phone that someone was attempting to access my trading account without my permission. ( I have the 2 step  verification set up and no one can access my account with out the pincode sent to my phone. ) I immediately called CoinBase Pro explained to them what had occurred. Coinbase said that " My funds were still available and that they would shut down the account so that no one including myself would be able to gain access. '' I explained to them that I was traveling and that it may be sometime before I could address this issue but would get back to them as long as my funds were secure. Coinbase assured me that my funds were secure. 
They sent me an email on the XX/XX/19 indicating that the problem had been fixed on their end and that I should secure my email phone etc on my end. 
On XX/XX/19 I have began to access my account with no success. Every support ticket I submit is returned " Account closed by an automated email. I have spoken to support on several occasions and they have said '' Your request has been prioritized and sent to a security specialist '' and I should wait to hear back form them. 
I receive a ticket closed or I hear nothing back at all. 
Since you are asking that I provide no personal information, or account information, this is all the information I can provide to you at this time.These people have in essence stolen my US Dollars and I want my money. 
I hope you can help me with this problem and any other information such as account number and support ticket can be supplied to you at will. 
Anything you can do to help would be greatly appreciated. 

Kind regards,
Product: Credit card or prepaid card

I applied for a Discover It! Card based upon XXXX recommending the card. My Bank 8 FICO is XXXX, and I gross {$47000.00} annually. I did an application over the computer and was immediately told to call a discover application specialist. When I called in, the rep stated she could not locate an open application for me. So, I went through the process with her over the phone. My application came back denied but didnt state any reason why.
Product: Vehicle loan or lease

Dear Citibank, Subject : Request for Release of Jetski Title - Paid in Full I am writing to express my concern regarding an unresolved issue with the release of my jetski title. On XX/XX/2022, I completed all payments for my jetski, financed through your institution. However, as of today, the title has not been released to me. 

Despite numerous attempts to resolve this issue through customer service calls, there has been no satisfactory progress or resolution. This delay is particularly concerning and unacceptable, considering the jetski is fully paid off and the title release should be a straightforward process. 

The ongoing delay has caused significant inconvenience, and I am seeking your immediate attention to rectify this matter. As a customer who has fulfilled all financial obligations, it is reasonable to expect a prompt and efficient service in return, especially in matters as crucial as title release. 

I kindly request that you expedite the release of my jetski title and provide a clear timeline by when I can expect to receive it. Your prompt and effective resolution in this matter will be highly appreciated. 

Thank you for your attention to this issue. I look forward to a swift response and resolution. 

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

n accordance with the Fair Credit Reporting act XXXX Account # 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 has violated my rights .

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

hello. My name is XXXX XXXX. I'm calling in reference to a fraudulent activity done on my online banking with Wells Fargo. The amounts were {$1800.00} and {$700.00}. The date this happened was on XX/XX/XXXX 2019.an ex-girlfriend of mine somehow got into my online banking account and transferred herself these two sums of money to her own account through the XXXX  app . I called the bank the same day after I saw an email so that my contact information was changed to her contact information. She must have gained access through this method. Wells Fargo denied me the claim because they thought I gave her my online banking information which was not true. I waited many days for them to resolution to simply be denied.I followed all the correct steps as far as a fraud case goes where I called in a timely manner close my accounts change my online information reopen new accounts and also filed a police report. My Wells Fargo claim number is XXXX. Also the XXXX city police report number is XXXX. I am upset that my bank will not retrieve my money from an unauthorized user fraudulently accessing my account.