23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I purchased a new XXXX years ago, and the app I used for XXXX ( XXXX  XXXX  ) was disconnected because it was a new device. Ever since, I have been unable to log in to my account and access my funds. This specific account is shared between myself ( XXXX XXXX XXXX, my mother XXXX XXXX XXXX XXXX XXXX, and my minor sister who's name doesn't appear on the account. None of us have successfully logged into the account since I got the new XXXX. We've been customers since 2017. 

Now I am prompted to upload ID for verification, which we have done over and over again. I emailed support and requested a manual review, hoping an employee at Coinbase would be able to get us to the next steps. We received a txt and email last night saying ID was verified and I should be able to sign in and update XXXX to avoid trouble signing in for the future. Instead, it prompts me to upload ID yet again. 

I've consulted forums and threads from users experiencing the same issue, and only today did I come across a user who consulted CFPB and got assistance. I am hoping this will resolve my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to XXXX that they have listed duplicate car loans on my credit report XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for over 60 days. This matter has been resolve and the dispute has been open with XXXX Equifax and XXXX XXXX FOR OVER 30 DAYS. I do not receive any response due to an ongoing federally constructed and orchestrated civil criminal conspiracy. I have closed and paid this account and it should reduce my dent by XXXX XXXX this is being done to deliberately negatively impact my credit and way of life by certain individuals who are XXXX and criminal informants from this house and this church in my neighborhood participating in XXXX.
Product: Mortgage

My wife and I were informed by Specialized Loan Servicing via a letter dated XX/XX/2020 that our hazard insurance had expired. On XX/XX/2020 we talked to XXXX ( our insurance coverage ) with whom we have had coverage since we bought our current house. 

The XXXX rep told us that our coverage had not lapsed and that in his opinion it fit the ( unclear and undefined in the letter ) definition of hazard insurance. The rep faxed proof of coverage to the number provided by Specialized Loan Servicing. 

We received subsequent letters stating that Specialized Loan Servicing felt our coverage had lapsed. We uploaded proof of our insurance to a portal they provided for that purpose but continued to receive notifications. 

We than talked to a Specialized Loan Servicing rep on two or three occasions and were told that we had coverage and not to worry about it. We asked for written/emailed confirmation of that and never received it. 

Instead, we were told that Specialized Loan Servicing had bought insurance for us and then that they had set up an escrow account. Finally, we were informed in a letter dated XX/XX/2020 that we would be billed an additional amount on our monthly mortgage until the escrow account was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent complaints about this matter than has been resolve only mad worst. I have an account on my consumer report that XXXX XXXX XXXX XXXX has yet to provide me with a contractual agreement, proof ANYTHING that I owe this alleged debt. Instead they submit to the credit bureaus a higher balance before. This company is hung up on me twice when I ask for the period that I owe because this I clearly FRAUD. I contact all THREE bureaus who all can not provide me with PROOF I owe this debt. XXXX sent me a copy of my consumer report as proof saying I owe they debt. They KNOW BETTER than that. A copy of my consumer report is not proof I owe a debt. No one still have sent anything providing I owe this debt. At this point I will be contacting my attorney if not handle in a fair matter.
Product: Debt collection

Stein and Meyer called my mother and my employer providing account numbers and informing them they has attempted to serve me both at home and at work. Neither of which is true. They will provide no address information regarding their location. All their numbers are blocked and can not be searched and I have found nothing but complaints regarding the numbers and company stating they are scams. They are calling from XXXX and instructing me to call XXXX. If it is legitimate they would be willing to provide more information regarding there location and would accept mailed payments. I feel it is a scam attempting to exploit me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting Transunion for years about this XXXX XXXX  and XXXX account # XXXX that is listed on my credit report. The last time in particular was when I submitted a CFPB complaint on XX/XX/2022 regarding this account. I was told by Transunion that I would receive information in the mail. I would a notice that the account information has been verified as accurate, which is incorrect. The account information is completely inaccurate and Transunion refuses to properly verify the information in which they agave listed on my consumer report. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report showing inaccuracies. Ive advised this agency that the date of last activity is incorrect, this account updates monthly as CO as it should be, the past due amount has changed three times since this account has first charged off. How is this so if this is a dead account? Im asking for this account to be verified with the ORIGINAL COLLECTOR and that the ORIGINAL promissory note that I signed be sent to me along with Transunion correcting ALL of the inaccuracies on this account or delete this account completely due to this agencys inability to follow consumer laws.
Product: Debt collection

I recently reviewed a copy of my credit report and am submitting this complaint regarding Midland Credit Management for their violations of consumer rights. Notably, Midland Credit Management has engaged in unlawful debt collection practices, similar to those established in cases such as XXXX XXXX Midland Credit Management XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), where the company was found to have violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in deceptive practices, and XXXX XXXX XXXX Midland Credit Management XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ), which highlights their repeated disregard for consumer protections. These precedents further emphasize their pattern of misconduct. 

Upon reviewing my credit report, I discovered that Midland Credit Management has placed an account XXXX related to XXXX XXXX on my credit report without verification that it belongs to me. I have not received any prior notice or an opportunity to dispute this alleged debt, which is a clear violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

This action constitutes harassment, defamation of my character, and a blatant violation of my consumer rights. Furthermore, the unauthorized placement of this account on my credit report has resulted in undue harm to my reputation and financial standing. Midland Credit Management, in their attempt to collect on behalf of XXXXXXXX XXXX which has repeatedly failed to validate these debts, has further infringed upon my rights by improperly accessing and sharing my private information. 

Midland Credit Management has violated the following FDCPA provisions : 15 U.S.C. 1692e : Prohibits false or misleading representations, which Midland Credit Management has engaged in by reporting inaccurate or unverifiable information.

15 U.S.C. 1692f : Prohibits unfair or unconscionable means to collect a debt, which includes the improper sharing of my personal information. 

I demand that this account be immediately removed from my credit report and returned to the original creditor. The continued reporting and collection of this unverified debt must cease immediately. Additionally, I request a prompt investigation into this matter and expect confirmation of corrective action within 30 days. 

This is not an opportunity to validate this debt. Under federal law, this debt should have been verified prior to its communication with my credit report. Should Midland Credit Management fail to address these issues, I will pursue further legal and regulatory actions to protect my rights.
Product: Credit reporting or other personal consumer reports

Lexisnexis is falsely reporting a driving record/conviction on my file. and they refuse to answer to my disputes
Product: Mortgage

This is a 2nd mortgage on my home that was with Ocwen mortgage co. and it was sold to PHH mortgage in 2019. I have been paying this mortgage with auto payments through my bank, but the last 5 payments have been returned. When I contacted PHH, I was told that the account has been foreclosed and the representative did not know why. I was told to contact PHH by mail because there was no one that I could speak with. I am contacting you to find out the next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX credit card Through MY XXXX Marked a late payment than notified the public of a late payment taking my score down over XXXX XXXX, when I called and explained the financial institution " XXXX '' I use for personal and business was delaying my checks being deposited as if XXXX XXXX XXXX purposely are delaying cleared checks so I can fall behind on payments, XXXX XXXX  said the late payment was reversed I also stated they illegally put my info out to other companies they again said they would correct the issue that I needed to dispute the " the XXXX XXXX " credit card with XXXX Bank to correct the issue and nothing has been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine but is reflecting on my credit reports. 

They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX  any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My ex-wife was ordered by the Florida courts to pay the XXXX XXXX XXXX mortgage and to remove my name from it, she did not do that.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Experian for Failure to Remove Inaccurate Name Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against Experian for their failure to remove an inaccurate name from my credit report. I initially disputed this incorrect information and filed a complaint with Experian. However, they failed to respond within the legally required XXXX timeframe, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ) ). 

Under the FCRA, credit reporting agencies are required to investigate and respond to disputes within 30 days. Since Experian has not provided verification or removed the inaccurate name within the mandated timeframe, they are legally obligated to delete the incorrect information. 

Additionally, Experian has a history of failing to comply with consumer protection laws. The recent case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), highlights how credit reporting agencies have been held accountable for failing to ensure the accuracy of their reports. Furthermore, the lawsuit Federal Trade Commission XXXX Experian Information Solutions XXXX demonstrated Experians pattern of noncompliance with consumer rights regarding inaccurate reporting. 

State laws further support my claim. [ Insert applicable state law regarding credit reporting violations, such as XXXX Consumer Credit Reporting Agencies Act ( CCRAA ) for XXXX residents or similar state protections ]. These laws reinforce that credit reporting agencies must maintain accurate and verifiable consumer records and remove erroneous information in a timely manner. 

Due to Experians failure to comply with federal and state laws, I am requesting that the CFPB take immediate action to ensure Experian removes the inaccurate name from my credit report and complies with all legal requirements. Additionally, I seek any applicable remedies, including penalties against Experian for noncompliance. 

I have attached copies of my dispute letter to Experian, proof of mailing, and any responses ( or lack thereof ) to substantiate my claim. I urge the CFPB to investigate this matter and hold Experian accountable for their failure to act in accordance with the law. 

Please confirm receipt of this complaint and provide me with updates regarding any action taken. Thank you for your time and assistance in resolving this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

XXXX XXXX issued by Comenity Bank I have been unable to access my Comenity account to make a payment for over a week through the phone app, Easy Pay or web browser. Received message that account could not be located online. Calls to the number listed on the card do not go through. Chat feature on Comenity/Bread Financial only offers generic information. 

There has been no email communication from Comenity about this outage. Social media posts from Comenity are not providing current or correct information.

Furthermore, customers have not been notified of the merger of Comenity and Bread Financial.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX has violated my rights. 

I looked at my exquifax credit report on an XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I am a victim of identity theft. I have no connection or knowledge of the said accounts listed. Please help me with this serious matter.

Back in 2015 my home was broken into when I came back home all my daughter and my things where scrabbled. All our sensitive information and over XXXX worth of jewelry and XXXX out my safe was stolen. 


Please help me I have no connections with this. 

A police report and identity theft has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Credit reporting or other personal consumer reports

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts, Account XXXX : XXXX Self Financial/Lead Bank, are not complete and accurate. 

And one more thing 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.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX  - XXXX - XX/XX/XXXX - {$670.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXXXXXX XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$670.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1500.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX : XXXX  XX/XX/XXXX
Product: Debt collection

I discovered an alleged collection account with Sunrise Credit Services for {$290.00} on my XXXX credit report this morning, showing an alleged original creditor of " XXXX ''. I had never heard anything from Sunrise Credit Services prior to this report and more saliently, I had n't heard anything from XXXX ( Cable TV ) regarding an outstanding bill, either. I did contact XXXX this morning, and they gave me control no. XXXX as proof that this debt has been paid in full. Further, the representative I communicated with assured me that XXXX would instruct Sunrise to delete this alleged collection account from the credit bureau ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # 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: Credit reporting

A account from XXXX XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade line with the bureau and supplied them with a copy of my police report, the account was removed. However, the bureau re- inserted the entry without informing me- when the account does not belong to me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX XXXX Balance : {$870.00}
Product: Debt collection

I have a account listed on my report for XXXX  XXXX for the amount of . I have advised Experian that this account isnt mine and disputed the incorrect account. Experian has verified this account as mine after I asked for validation of this collection that they are falsely reporting. I have never associated with this company. I will be forced to get my legal time involved if this matter isnt taken care of immediately.
Product: Debt collection

I received the first call  XXXX   XXXX   2017  from a representative  of D2 M anagement. I was not advised this was an attempt to collect a debt. The caller asked for me, stated the last  XXXX  numbers of my  XXXX  and continued to say I owed this money and without paying I 'd be served small claims summons for various infractions. When I asked for verification and stated I had no knowledge of this debt I was told I did n't need it and the call was disconnected. On  XXXX   XXXX ,    2017  I again got a call with the same initial statements. When I told the lady I had no idea what she was talking about, she gave generalized information and stated that the only notification I would receive would be court summons. When I asked to not be called again and was disconnecting the call, I was then told this was an attempt to collect a debt.