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

XXXX XXXX scammed me out of money. She was hired to provide services and she didnt do it. By the time I realized she was a fraud it was too late. She told me several times she would refund my money back but she have not done it. She told me I had to wait 189 days to receive a refund. She committed Fraud by Deception and breached our oral contract agreement. She stopped communicating with me and blocked me. She refused to give me my money back.
Product: Credit reporting or other personal consumer reports

In accurate reporting not me FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall 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.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX, NJ XXXX XX/XX/2023 XXXX XXXX Balance XXXX {$280.00} XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding discrepancies and errors on my credit report, which negatively affect my credit score and financial well-being. Here are the details of my complaint : The account has inconsistent reporting across XXXX, XXXX, and XXXX. 


XXXX and XXXX reported the " Last Reported '' dates as XX/XX/year> and XX/XX/year>, respectively. 


XXXX has no record of this account, despite it being reported to the other bureaus. 


This discrepancy violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and consistent information. 


The account is listed as " Collection/Chargeoff '' for both XXXX and XXXX. However, there is no supporting documentation or clarification for this status. 


I contacted the creditor directly and provided the account number, yet I was unable to obtain any information about the account. This lack of cooperation has hindered my ability to verify and address the discrepancies. 


I was not able to resolve this problem with the creditor because they refused to provide any information about the account. 


The discrepancies and missing data are unfairly damaging my credit score and ability to secure favorable financial terms. 


This is the list of steps I had taken before filing a complaint : I contacted the creditor directly to address these inconsistencies, but the issue remains unresolved. 


I have also initiated disputes with XXXX, XXXX, and XXXX, yet no corrective action has been taken. 


I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the creditor corrects the discrepancies. 


The " Last Reported '' dates should be consistent across all bureaus. 


XXXX should report the account accurately if required. 


Any negative marks resulting from these inaccuracies should be removed from my credit report. 


The creditor should be required to provide the requested account information to ensure proper resolution. 


I appreciate your attention to this matter and look forward to a prompt resolution. Please let me know if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX through XX/XX/2020. Several banks made more than ten hard inquiries to my credit report and badly affected my scores. 

I have severally tried to reach them but in vain or directed to seek help from this platform. I want to clearly state that i did not authorize those banks to run my credit and neither did i authorize XXXX XXXX to do so. All they did confirm and assure me was that nothing was going to be reported.Then hurriedly the salesmen took me to head of sales department where i was severally told to append signatures under duress without reading with excuse that it was going beyond office hours and promised they are not going to run any inquiries on my credit since if i was paying cash and yet i was not interested in buying any car. 
I was unemployed  and had not started any job but they went further to report i work for the company i do not work for. 

It is in bad faith to be involved in such business without my approval and i strongly condemn this kind of acts and request your dispute resolution mechanisms get to the bottomline of this coney theatrics and get my names out of those hard inquiries. Sales is a good thing but properly done with a clients approval to go ahead. Thanks in advance.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> XXXX, equifax, XXXX XXXX XXXX XXXX XXXX XXXX 
Subject : Dispute of Information under Section 1681o - Civil Liability for Negligence Dear [ Creditor/Reporting Agency 's Name ], I am writing to dispute certain information on my credit report, which I believe is the result of negligence on your part in failing to comply with your duties under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o. 
I have reviewed my credit report and identified inaccuracies that I believe were caused by errors or failure to properly investigate disputes as outlined by the FCRA. Despite my previous attempts to resolve this matter, it remains unresolved, and I am concerned that your actions, or lack thereof, have caused harm to my credit profile. 
Under Section 1681o of the FCRA, I am entitled to seek damages for any negligence in the handling or reporting of my credit information. As such, I request that you immediately : 1. Investigate the disputed items thoroughly, ensuring full compliance with all reporting standards set by the FCRA.

2. Correct any inaccuracies or remove any erroneous information that was reported negligently.

3. Provide me with written confirmation of the results of your investigation and any corrections made to my credit file.

4. Cease reporting inaccurate information that does not meet the legal requirements of the FCRA.

Please treat this letter as formal notice of my intent to dispute this information, and I request that you correct these issues promptly to avoid further civil liability under Section 1681o.

I expect a response within 30 days, as mandated by the FCRA. If this matter is not resolved to my satisfaction, I will consider taking further action, including seeking damages for any harm caused by this negligence. 
Thank you for your prompt attention to this matter.
Product: Mortgage

AMERISAVE DISPUTE : On XX/XX/2019, we spoke with a Loan Officer from Amerisave to refinance our home. We are retired military and were using a VA Streamline loan. We had two Loan Officers from two different companies giving us quotes at the time to include the Loan Officer from Amerisave. The other Loan Officer told us that we had to wait for six-months of payments on our existing loan before we could qualify to refinance ( we had just bought this home this year ). However, Amerisave told us that information was not true. He stated that he already had approval to refinance us now, already pre-qualified us, and that we would Close on our loan in approximately 30 days from the date of application.

He then asked for {$500.00} to ensure that we did not proceed with the other company so that he wasnt just wasting his time. We obliged. Two weeks before we were to Close on our loan, he contacted us by email - he didnt even have the professionalism to contact us by phone. He stated that he had to apologize because he could not close on our loan until we had six-months of payments. He said that he would hold the {$500.00} until months later when he could refinance our loan. That was totally unacceptable. That was the first thing we told him initially and he insisted that he already had approval to proceed at that time.

To us, the contract was voidable as he did not fulfill his end. We contacted our bank to dispute the charge. Today, months later, Amerisave provided our bank with a contract stating that the {$500.00} was non-refundable. They reversed the dispute and retrieved the money although they did not refinance our home. We have already refinanced our home with the company who told us the truth from the very beginning. What is our recourse? Recorded phone conversations can corroborate our case. Most importantly, Amerisave initially took the {$500.00} in July hours before sending us a contract stating it was Non-Refundable. We DID NOT receive that contract until we had already given him our debit card information based on his false information via phone. If we had received the contract prior, we would have seen that it was Non-Refundable and would not have proceeded or taken his word. Please help?
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered multiple late payment entries associated with my account that were inaccurately reported. As you are aware, Consumer Reporting Agencies bear a significant responsibility to ensure that all consumer information is reported with maximum accuracy. It is essential that the information reflected on my credit profile is both accurate and truthful. 

Specifically, I have never been late with any payments for my BMW Financial account ( Account # XXXX ). I respectfully request a thorough investigation into these erroneous late payment entries and demand that you provide verifiable proof, including statements, that demonstrate these payments were indeed late. To assist in this process, I can provide supporting documentation, including bank statements, payment notifications, timestamps from the BMW payment app, and screenshots. 

Additionally, it is important to note that there have been substantial testimonies and reviews from numerous BMW customers who have experienced similar issues regarding premature reporting of late payments. These reports indicate a pattern of errors where late payment flags are applied prematurely, negatively impacting credit scores. This further highlights the possibility of an internal issue with BMW Financials reporting practices, which needs immediate investigation. 

If sufficient proof can not be provided to substantiate these late payments, I demand the immediate removal of the derogatory marks and request that the account status be corrected to reflect " on time, never late, '' as this accurately represents the history of my payments. 

I have previously submitted multiple requests to the credit bureaus to address this issue, but to no avail. I am now seeking your assistance to rectify this error and ensure that my credit profile accurately reflects my payment history. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been 52 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 52 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Federal Trade Commission Bureau of Consumer Protection has received numerous complaints from XXXX XXXX XXXX, DOB : XX/XX/1974. SSN : XXXX in regards to fraudulent credit card accounts, debt collection accounts and an inaccurate public record reappearing on XXXX XXXX Equifax and XXXX credit report. XXXX XXXX has sent Equifax and XXXX countless letters of dispute for the following accounts reappearing on his XXXX, and Equifax credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX Banks XXXX XXXX, XXXX XXXX XXXX, Bankruptcy XXXX XXXX Discharged from the U.S. District Court Minnesota Bankruptcy Court, but Equifax and XXXX has failed to take action and remove the fraudulent accounts and public record from XXXX XXXX credit report. The Federal Trade Commission is requesting for the Consumer Financial Protection Bureau to open up an immediate investigation and investigate this matter promptly with Equifax and XXXX, and send a letter of reply to XXXX XXXX on the findings of the investigation. Thank you for your prompt attention and consideration to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I located a potentially fraudulent revolving account on my Experian credit report and I have no idea what it is. 

ACCOUNT DETAILS Account Name XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Balance {$5300.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$100.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MULTIPLE OCCASIONS I HAVE ASKED THE BUREAUS TO REMOVE THESE UNAUTHORIZED INQUIRIES. NO ONE HAS HELPED ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ... .. XXXX ) The description of the procedure used to determine the accuracy and completeness of the information. XXXX ) Name, address, and telephone number of each person contacted regarding this alleged account. XXXX ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. XXXX ) proof they are authorized to collect the debt. They failed to provide any of the above information.THEY HAVE NOT RESPONDED TO MY LAST REQUEST THUS, BY LAW, THIS ACCOUNT MUST BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

There are inquiries on my credit report that I did not authorize. They should be removed immediately. Its my right as a consumer that I am able to dispute inaccurate items on my credit report.
Product: Mortgage

I have tried for 9 years to get my loan modified and survived several foreclosures scares.  As information, a XXXX XXXX XXXX  for XXXX XXXX  XXXX and XXXX  XXXX  operates on this property.   Recently, while doing research I found my loan is covered under the Department of Justice settlement with XXXX XXXX over Residential Mortgage Backed Securities.  Specifically attached documents verify my loan XXXX XXXX   is covered as per the DOJ statement.  Despite this, and contact directly with XXXX XXXX of XXXX XXXX, absolutely nothing has been done.
Product: Payday loan, title loan, or personal loan

There is two months that I am not received the bill statement to make the payment.
I had to call the Bank of America the last two months to asked how much I need to pay because every month there is a little difference. It look like the Bank of America lost my Home address. But I am 100 % sure if I made the payment late the letter charge fees will show up.
Product: Credit reporting or other personal consumer reports

My credit report dated XX/XX/XXXX, at Experian contains Inquiries that I never authorized, nor did I do business with these companies. The following inquiries were not authorized by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting as " CHARGE OFF/ WRITTEN OFF '' for the total amount stated yet I have received no tax forms from the IRS nor XXXX XXXX XXXX XXXX so that I can file my taxes accordingly. This XXXX account is reporting inaccurate adverse information. Also, account # XXXX with XXXX is reporting as " WRITTEN OFF '' for the total amount stated, yet I have received no tax forms from the IRS nor XXXX so that I can do my taxes accordingly. XXXX is reporting inaccurate adverse information. Also, US DEPT OF ED/XXXX  has taken over ownership of account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX from XXXX XXXX, the original creditor, as a third party on the face of the transaction without notifying the principle. The US DEPT OF ED/XXXX is reporting information that does not coincide with the original contract.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have purchased cryptocurrency from Binance.US and also transferred cryptocurrency from other wallets to my Binance.US wallet. I have been unable to access any of those funds, withdraw any of the cash I've had ( XXXX ), or even withdraw any of the cryptocurrency for at least 3 weeks. The last time I was able to successfully withdraw funds was XX/XX/2021. 

I have reached out to Binance.US NUMEROUS times, including about this issue. I issued my first ticket to them when I had trading disabled in XXXX, and I still have not received a response even to that inquiry, despite having submitted something in response to an automated message that purported to allow me to " escalate '' my issue. 
I have tried every form of communication they have for contacting them and have received nothing in response. At this point, I have {$5200.00} of assets and can not withdraw any of them. I can sell cryptocurrency ( albeit at a worse exchange rate than the market since " trading '' has been disabled for me since XXXX XXXX, but I can not withdraw the USD after doing so. I am still able to deposit from the bank accounts to which I sought to withdraw funds. So they allow me to put money or coins into my wallets with Binance.US, but I can not take anything out. I have tried various currencies and various amounts, and I keep getting the automated message " withdrawals suspended due to risk management. '' Researching this issue online provides a number of possible reasons for this message, but none of them apply to me. 

I do have two cryptocurrency purchases that are still within a 10-day hold period, so I understand that I would not be able to completely liquidate my account, but I was unable to withdraw cash prior to making these purchases, and I have tried withdrawing assets that have been in the account since early XXXX and get the same message. Those would not be subject to any sort of hold. In any event, I am extremely alarmed because I can not access any of these assets and can not get ANY response from them about anything and haven't been able to do so for months. I would like to be able to withdraw everything and cancel my account, but there is not even a way for me to do that. 

I have threatened them with legal action if they did not respond by Friday, XX/XX/2021, but they did not respond. I wanted to seek CFPB 's help before filing a lawsuit because of the costs associated with filing suit. 

I did have a few failed deposits in the past, and one chargeback, but those were some time ago, and were for small sums under {$300.00}, and I immediately replenished the account, so certainly that does not justify a complete lockdown of my account and in particular an inability to withdraw assets that I didn't even purchase through Binance.US. Those were mistakes due to me using the wrong account in the app, which is somewhat difficult to navigate. Certainly, it is not excuse for essentially converting over {$5000.00} in assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian account holder. 
XX/XX/XXXX received email that my email was changed to an email that is not mine. 
Have not been able to reach a representative after multiple attempts. 
Received a credit alert through XXXX that I opened an account with a credit union in another part of the state and I did not.