23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This company is reporting my uncles information to my XXXX XXXX  report. For illustration purposes I have provided my uncles drivers license. I have full permission and authorization to have my uncles license. He provided it to me to send to you guys. I have been a XXXX  resident for years. The license you have connected to me XXXX XXXX report is my uncles. I have never written a check at XXXX. There are no XXXX in XXXX
Product: Money transfer, virtual currency, or money service

I am a Coinbase user and when they came out with the Coinbase Wallet app, users were encouraged to move their crypto into it. Im am relatively new to the crypto world, just a year in and while Im not a major investor like some, I use my crypto accounts for rainy day money. I also thought that since its a Coinbase product as well, Id be able to move my funds easily between the two and withdraw as needed. However like every other user, once the money is in the wallet, we can not get it out! I moved half of my assets at the time ( having learned since not to move anymore ) and of today I have {$200.00} in there with no way to withdraw it. They claim that miner fees are high and many times the miner fee is more than double the amount trying to convert or withdraw. I cant even transfer the funds back to the home product of Coinbase! Its the same company how is this allowed?? I have researched this to see if other users are experiencing the same issue and we all are. No one is getting answers from the company. Its like they had us transfer funds to their wallet and they get to keep it now. What kind of scam is this? Like many, Im struggling since the pandemic and every XXXX is allotted for bills and such. Watching this money go up and down with the markets with no way to access it is killing me. Please, something has to be done here. Not just for me, for all of the users! They took our money and wont give it back.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XXXX
Product: Credit card or prepaid card

this card was bought as a gift to a family member, thwy used it to purchase virtual items such as video games, within a couple of weeks we noticed the first fradulent transaction. The first amount was {$18.00} on XX/XX/XXXX. Then there was multiple transactions to wish for an amount of {$9.00} on XX/XX/XXXX. I see two transactions to wich but there is also some pending, but its hard to read how much was stolen. After this we thought we had lost the money with nothing to be done, but we believe we deserve better and decided to give ourself a chance to get the money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX THE FOLOWING ACCOUNTS HAVE SEVERAL ERRORS AND ARE NOT IN XXXX COMPLIANCE UNDER BSCF13 TERMS DUARTION THERE IS MISSING INFORMATION. BSCF20 COMPLIANCE CONDITION IS QUESTIONABLE. PLEASE DELETE THE FOLLOWING INACCURATE ACCOUNTS : XXXX XXXX XXXX ( Terms Frequency ) XXXX XXXX XXXX ( Terms Frequency ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

All three credit score companies are reporting outdated info and false info they are all three reporting different things entirely XXXX Experian and XXXX that it hurting my every move to try and better myself and family please help under the FCRA law
Product: Debt collection

I received a call from a XXXX XXXX. The Person Identified as XXXX XXXX advised she would be visiting my home and workplace in an attempt to serve legal documents the next day. XXXX. Call received XXXX She advised that for questions or concerns I should contact XXXX, but did not identify the name of the company this number belong to. 

I contacted the number ( XXXX XXXX  ), and was advised that I owed a debt, do to a closed checking account with a negative balance. I have not had a wells Fargo checking account since XXXX. I am XXXX XXXX XXXX. 

This is the first time, I have been contacted about this debt, and a XXXX XXXX Credit Report shows me in Good Standing with a current wells Fargo XXXX account that was opened recently to replace my Carpet. 

I was advised that I could either pay the debt owned today XXXX or if I waited for the process server, and I would be responsible to additional legal fees, brining the total to XXXX. 

I asked the person identified as XXXX XXXX if there could be some sort of verification provided, such a a debt validation letter. I asked for the website and address so that I could send the letter, but was advised they don't give out their address, and they don't have a website. 

I was advised that XXXX would not be providing any sort of debt validation as apparently other debt collection agencies had tried to contact me about the debt, and therefore I was not entitled to verification. They stated an old address from at least 15 years ago. 

I contacted Wells Fargo bank and spoke to numerous departments, none of which could confirm the information being provided by XXXX. The last person I spoke with at Wells Fargo advised me that they believed this was a scam and should be reported. I recorded this call and so did wells Fargo. Call occurred XXXX from my cell XXXX around XXXX XXXX  XXXX. 

According to my own research, if this debt is true, it would be beyond the XXXX XXXX XXXX Statue of Limitations on companies filing civil suits based on debt. " Time-barred debt '' This regulation was added on XXXX XX/XX/2019 to the the FDCPA. 

On the call it was advised that the debt was owned by XXXX XXXX XXXX. I can not find a website, address or any other information for this company. 

If the original finical provider is able to confirm this debt, I would do the right thing and pay it, but Wells Fargo has no information on this debt, and based on what I have written here, they believe its a scam.
Product: Credit reporting or other personal consumer reports

I reached out to TransUnion by certified mailed as well as uploading information. After receiving my certified mailed they insisted that I call to verify that I sent the information through mailed regarding my Credit. I explained to them that I sent them the information I told them I will give them the registered mailed number. I gave them the number and I also sent them a copy of my DL and my SSN. They received it on last Friday XXXX. I called TransUnion on XXXX at XXXX talked to agent XXXX employee number XXXX. I explained to her my problem explained to her I was calling about my Credit Report. She said that my paperwork was not excepted after me verifying myself and after me calling them telling them I sent all the information they received by certified mailed and also I uploaded the same information to my file that they received by mail. She then told me my information was not excepted. I stated to her I sent the information in not a third party. I explained to her how my consumer law rights were being broken. Because there are fraudulent accounts on my report that I needed to be removed and also information that was violating my consumer law rights. She transferred me to XXXX supervisor who said he did not have an employee number. I explained to him how my rights were being broken how I keep calling for help on getting them removed. I sent them my information proving it's my account but they keep giving me the run around. Spoke with XXXX XXXX, XXXX, XXXX XXXX, XXXX then with XXXX then XXXX who told me they don't excepted FTC reports. Not understand why that information is not excepted by TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update and correct these immediately : XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from XXXX, XXXX  and Transunion, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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

I have submitted my FTC report for XXXX XXXX XXXX and XXXX XXXX XXXX, I am a victim of identity theft
Product: Debt collection

TODAYS DATE :  XX/XX/XXXX  ATTENTION DISPUTE DEPRATMENT : NCC BUSINESS SERVICES  XXXX  #  XXXX   XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.   I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence (  1 )  In general No pers on ( c ompany ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under secti on 1681c-2 of this title h as resulted from identity theft.     ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious NCC    BUSINESS SERVICES ACC #  XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company  Example In re   XXXX   XXXX   XXXX ,  XXXX  Telephone Consumer Protection  XXXX  Litigation, Case No.  XXXX , in the  U.S. District Court fo r the  XXXX   District of California Stop c ollection proceedings against me Signatures on applications and accounts Investigators report  XXXX   XXXX  SS #  XXXX  DOB  XX/XX/XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 # XXXX, Account name : XXXX XXXX  XXXX XXXXXXXX XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX Funding, Account name : XXXX  XXXX, Account name : XXXX XXXX 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2023 my credit score decreased by XXXX points due to usage of a credit card I understand that, But on today my score decreased again XXXX points for the same usage that occurred back onXX/XX/2023, No one could help & no one had any answers just excuses I also explained that all my cards have been paid down .Also I explained about the emails that I received for paying down all my cards again no answers just that it wasnt them at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am sending my CFPB complaint to notify you about the wrongdoing of the 3 credit bureaus. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest score, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. The following items should be delete as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX , AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; AR CHILD SUPPORT ENF XXXX Balance : {$8600.00} ; AR CHILD SUPPORT ENF XXXX Balance : {$2500.00} ; AR CHILD SUPPORT ENF XXXX Balance : {$4100.00} ; XXXX  XXXX Bankruptcy Reference XXXX  : XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX  XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$610.00} ; XXXX XXXX  XXXX Balance : {$5700.00} ; XXXX  XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple written disputes to XXXX, XXXX, and TransUnion regarding incorrect, invalid, inaccurate, and potentially fraudulent information on my personal consumer credit reports with XXXX, XXXX, and Transunion. 

The responses from XXXX, XXXX, and TransUnion clearly violated the Fair Credit Reporting Act ( FCRA ). There was either no proof of any investigation and no proof of any verification of the disputed items to conclude the items were " verified as accurate and should remain ''. I demanded proof and documentation of the investigation to verify these disputes items when I requested the items be removed from my credit report. I have sent multiple written disputes including challenging hard inquiries, collection accounts, charged-off accounts, late payments etc. The FCRA requires original documentation verifying these items belong to me and a signature which nothing was provided to me from XXXX, XXXX, or TransUnion. I have not received any documentation to date from XXXX, XXXX, or TransUnion that shows proof these accounts were authorized and signed for by me so the FCRA requires the credit bureau agencies to delete them. 

My information is as follows... 

Name - XXXX XXXX XXXX Address - XXXX XXXX XXXX XXXX NV XXXX SSN - XXXX DOB - XX/XX/1982 Phone - XXXX Email Address - XXXX Accounts I sent multiple written disputes requesting deletion of these accounts due to being inaccurate, invalid, and fraudulent are .... 

1 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card XXXX XXXX 2 ) XXXX XXXX XXXX XXXX Charge-off XXXX Credit Card # XXXX 3 ) XXXX XXXX XXXX XXXX Charge-off Checking Line of Credit Account 4 ) XXXX XXXX XXXX XXXX Personal Loan Charge-off 5 ) XXXX Credit Card Charge-off 6 ) XXXXXXXX XXXX XXXXXXXX Credit Card Charge off 7 ) XXXX XXXX Credit CardXXXXXXXX XXXX Charge-off 8 ) XXXX XXXX XXXX XXXX  Credit Card Charge-off 9 ) XXXX XXXXXXXX XXXX  Credit Card Charge-off These accounts are listed on all three personal credit bureau reports each with XXXX XXXX XXXX XXXX and TransUnion. I am requesting the CPFB assist me in working with XXXX, XXXX, and TransUnion to have these accounts permanently deleted asap. 

Thank You for your assistance in this matter Sincerely, XXXX XXXX XXXX
Product: Credit card

Hello, I had a Macys credit card and I made a payment of {$290.00} on XXXX XXXX 2015. On the statement I have from macys it says there is no further balance. Recently I checked my credit report and it says I am XXXX days late with a XXXX dollar fee. The statements macys has sent are very misleading and dishonest. I paid a full balance and the statement says I have also paid the interest ... Only to be surprised I have accrued more interest from another quote billing cycle quote. My credit score is significantly lower because of these extremely dishonest business practices. I need your help please. This is a new trend a lot of people are talking about when it comes to consumer fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Reinvestigation of Account Reporting Inaccuracies To Whom It May Concern, Dear XXXXXXXX XXXX XXXX, I am writing to formally request a reinvestigation of an account listed on my credit report, which I believe contains inaccuracies in its reporting. Account Details : I am writing to formally request a reinvestigation of an account listed on my credit report, which I believe contains inaccuracies in its reporting. Account Details : XXXX Account Number : XXXX Reason : Under 15 U.S. Code 1681n - Civil liability for willful noncompliance Instruction : This account is not mine, Please remove from my account immediately. As mandated by credit reporting laws, it is imperative that all information reported to the credit bureaus is accurate and fully correct. The obligation to maintain the integrity of credit information is a cornerstone of consumer credit rights. It has come to my attention that there is a discrepancy in how this account is reported across the three major credit bureaus. Specifically, a " PAID COLLECTION '' is reported on ACROSS ALL BUREAUS however, there is no account number associated with the record, and the balance has been adjusted twice. This inconsistency raises questions about the accuracy of the reported information. Furthermore, you are reporting this item as a " PAID COLLECTION '' which is erroneous and untrue. Please validate and provide proof of any payment via receipt of payments that you claim have been made to you. Of which I know factually that you can not because I have not made a single payment towards this debt, AS IT IS NOT MINE! Given these concerns, I respectfully request that you remove the inaccurately reported COLLECTION from my credit report IMMEDIATELY. Ensuring accurate reporting is crucial for upholding the fairness and integrity of credit information, which significantly impacts consumer 's financial opportunities. I appreciate your prompt attention to this matter and look forward to your cooperation in resolving these reporting discrepancies. Please inform me of the outcome of your investigation at your earliest convenience. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

I am filing this complaint to notify you of fraudulent accounts on my credit report. I will be following up with the Consumer Financial Protection Bureau and filing a civil lawsuit for defamation of character because it is your duty to report accurate information. The following accounts listed below are fraudulent and I request that the information be blocked from my report. Under Section XXXX of the FCRA, XXXX meet all the requirements for a block of the fraudulent information on my report. My identification which is attached to this letter, a copy of my identity theft report which is also attached, the information that I request to be blocked is listed below. This information is not relating to any transaction of mine. The accounts that are fraudulent on my report are listed below. I have also attached a Notarized letter stating it is in fact me sending out this dispute. This letter will be sent certified with signature. I expect that the accounts be blocked within 4 days of receipt. It is illegal to do what you are doing to us consumers.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected no removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer