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

On XX/XX/XXXX I received {$1000.00} in bitcoins from my girlfriend. It was deposited straight into my Crypto Wallet. My goal was to cash it out to pay our bills. I have not been able to send, withdraw, or sell my Bitcoins. The app keeps saying " We can't complete this transaction right now ''. 

I've messaged their support team right away that night. Ever since that I've been getting no messages besides the same copied and pasted messages saying they have no control over their system but to try and logout and re-install the app. I've tried that as well and it did not help. Every day since then I've messaged them with screenshots- video recordings showing the issue. Not one resolution has been provided. I keep getting a new support rep that sends the same messages over and over. This has became an issue for me and my family. I am now going to be late on my mortgage payment since they are holding our funds with no resolution.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 


XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my name and my address that need to be on my credit report social seurity number XXXX XXXX XXXX / XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/ XXXX/ this need to be on all credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from COMMONWEALTH FINANCIAL SYSTEMS, INC. regarding account XXXX. I reached out to them for debt verification, thus I was sent this letter, but on the letter it shows the original creditor name ( XXXX XXXX XXXX ) and a service date of XX/XX/XXXX. However, on my credit report, the date open says XX/XX/XXXX. Naturally, i call them to figure out the issue. A case manager continuously insists that the date on the actual report is the date THEY { CFCI } received the account from ANOTHER collection agency, but even if they had, that would not cause the " date opened '' on my report to change. The more we spoke, the more she insisted everything was correct. After more pressing, she tell me the drop off day for the debt is XXXX, so if that is in fact the case, how is the date open XX/XX/XXXX? 

I would like this account REMOVED FROM MY CREDIT REPORT immediately.
Product: Credit card or prepaid card

Management of my XXXX XXXX credit card account was transferred to Comenity in XXXX of XXXX. Under the previous management, my bills were paid in full every month via automatic payment. 

I received a letter from Comenity, dated XX/XX/XXXX, stating that the automatic payment arrangements on my account did not carry over to Comenity when the account was transferred and that because of this error, Comenity would not charge late fees to my account for the next two billing due dates. ( See Document 1 ). 

I reviewed my XXXX bill online and saw that there were interest charges to my account that resulted from the auto payment omission. I immediately contacted Comenity Customer Support and requested that the charges be removed. I was told that some of the interest charges could be removed but that a charge of {$110.00} could not be removed because it was related to my account balance exceeding my credit limit. ( See Document 2 ). This account balance problem was another consequence of Comenitys auto payment omission.

The Comenity Customer Support representative agreed that the charges were due to Comenitys error and offered to submit a claim for reimbursement on my behalf. I received a letter from Comenity, dated XX/XX/XXXX, confirming that this claim had been filed. ( See Document XXXX ). 

The confirmation letter asked that I allow up to 90 days to complete the investigation. The process took over six months to complete and would probably still be ongoing if I had not been calling Comenity Customer Support every other week to check the status and try to move things forward.

I finally received a letter from Comenity, dated XX/XX/XXXX, indicating that my request for reimbursement had been denied and that the claim had been closed. The reason for denial was that Comenity had received my XXXX payment after the due date and that the finance charge was valid. There was no mention of the original issue of charges related to my exceeding the credit limit. The decision also does not consider that late payments in XXXX were supposed to be forgiven due to the auto payment omission. In any case, the explanation is totally out of sync with the original claim. ( See Document 4 ).

I contacted Comenity Customer Support after receiving the latest letter and was told that since the claim had been closed, there was no way for them to look at it to see the original claim description or any notes that had been added to the claim. I was told that the only way to re-open the issue was to start over and file a new claim from scratch. 

I wrote a summary of all the actions that had been taken and submitted it to Comenity by mail on XX/XX/XXXX. In the letter I requested that the issue be re-opened and asked for a response within XXXX business days. As of XX/XX/XXXX, I have not received a response to my request.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Once more, I find myself subject to XXXX XXXX, prompting my third plea to expunge the details from my credit record stemming from the purported XXXX XXXX  incident. According to FCRA XXXX ( 15 U.S.C. 1681c-2 ), you are obligated to eradicate any such entries. I have previously enclosed this report in a prior correspondence, and I am resubmitting it herewith. Moreover, certain particulars furnished are unfamiliar to me and have been expunged by other bureaus, casting doubt on their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX CT XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 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 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


I would like to bring your attention to the following fraudulent accounts on my credit report : Account XXXX : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$300.00} ] Account XXXX : Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$820.00} ] Account XXXX : Creditor Name : [ XXXX XXXX XXXX XXXX  ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$2600.00} ] Account XXXX : Creditor Name : [ XXXX XXXX / XXXX XXXX  ] Account Number : [ XXXX ] Date Discovered : [ XX/XX/2023 ] Amount in Collection : [ {$2600.00} ] Credit Inquiries : 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$16000.00}
Product: Debt collection

on or about XX/XX/XXXX or XX/XX/XXXX i was saposed to have went to the hospital an had a XXXX copay which with me being XXXX an XXXX level living i dont pay copays ..this is an attempt to steal from me in an unethical way ..i tried to explain this to the women who then said quote we will see what it does to youre credit.then she hung up..
Product: Credit reporting or other personal consumer reports

Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached are proof they have NOT been removed. That PUBLIC RECORD ON FILE and Also a Account for UTAH OFFICE OF RECOVERY FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX {$1200.00} Charge Off XXXX XXXX XXXX {$370.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$5200.00}
Product: Mortgage

In the past I have tried to modify my mortgage using paid modification companies. After so many attempts to try to get help from Wells Fargo, I decided to find a HUD counselor who submitted a modification request but Wells is refusing to review the documents because of the sheriff sale.
Product: Credit reporting

I contacted XXXX XXXX, Equifax , XXXX, and XXXX in reference to XXXX XXXX XXXX XXXX report that I was 30 days late in the month of XXXX XXXX and XXXX XXXX. The car was paid off and sold in XXXX. The automated system states they have no information for an account with my social security number. I have called and spoke to the office of the president numerous times and they continued to give me the wrong information. I spoke to XXXX ID # XXXX who refused to give me his information. I requested he fax a letter showing the car was paid off in XXXX. XXXX ID # XXXX stated that they received payment in full via money Gram XXXX/XXXX/XXXX. At the time I was paying the car off the payoff information was wrong per office of the president. They are reporting conflicting information with Equifax , XXXX and XXXX.
Product: Mortgage

The mortgage company began to raise the monthly payment after I was approved for exmption that should lower the monthly payment and taxes on home, but they told me that they paid more than XXXX for the city and the taxes was only XXXX, I called the city and I was informed that there was a refound sent to the mortgage company and they also sent me a refound. The mortage kept saying that there is a shortrage in the account and I told them there should n't because they got refound from the city. They insisted and kept adding more things to the monthly payment. They also tell me that I have two payments due in my account but I have a proof for paying every month. I need help to stop this company from adding this additional payments and charge me for something that is not there.
Product: Credit card

I recently sent an initial complaint on yesterday which related to calls transpiring on XXXX XXXX relating to discrimination and retaliation. As of XXXX XXXX, I was also retaliated against by XXXX XXXX within XXXX XXXX XXXX XXXX XXXX. after leaving a voice mail on her XXXX XXXX Voicemail system questioning her on how she intimidated, interrogated and repeatedly questioned our daughter inappropriately and unnecessarily regarding her mother, XXXX XXXX, which I addressed and emphasized with her via XXXX recorded system on XXXX XXXX as " discrimination tactics against XXXX minorities ''. In turn, she adamantly, her and her team on purpose set a pre-set small XXXX limit on the XXXX XXXX XXXX Card, after sending XXXXbank statement proof showing an average balance of XXXX. Also, prior to approving an authorized user, XXXX, already checked my credit and sent the card around XXXX XXXX. Based on these and other illegal credit card biased practices within the Financial Review dept., I was also defrauded out of the initial {$1600.00} payment which was made on the account. They purposely waited for the payment to clear my bank on XXXX XXXX and then place a hold on XXXX XXXX, after we received a call from the Financial Review team as noted in the XXXX of this complaint sent on yesterday. Although the payment was not due at the time, I was showing good faith on paying the account and setting it up on a weekly payment basis to pay down the initial amount of XXXX which was truly due by end of XXXX. This is when the XXXX payment for the XXXX statement is actually due. The XXXX Payment would have been due by end of XXXX. We were never given a chance as XXXX Citizens, XXXX Veterans, and XXXX Americans, but was heavily scrutinized and violated by XXXX XXXX and others within the Financial Review department. These are unfair and illegal credit card practices and should be investigated as no one should be left in a bind after initially setting up their monthly everyday charges with various vendors and billing agencies, because we had plans to continue to utilize the card for those purposes as other XXXX groups are given the opportunity to have access to capital and not heavily scrutinized for utilizing their Platinum Credit Card! These are unfair and illegal credit card practices!
Product: Checking or savings account

Capital One Bank has not deposited my funds into my account. They are continuously blaming a vendor for the issues, but the vendor has made a statement that they have corrected the issue on there end. At this time Capital One has not given anyone a direct answer as to the root cause of the issue and a actual ETA of resolution. I am now over drafted heading into a holiday weekend with no funds.
Product: Credit reporting or other personal consumer reports

To whom it may concern ; I am writing to file a formal complaint regarding an inaccurate bankruptcy entry on my credit report. Despite having disputed this issue directly with the credit reporting agencies ( XXXX, Equifax, and XXXX ), the incorrect bankruptcy information continues to appear on my credit report, which is adversely affecting my credit score and financial well-being. I have disputed the inaccurate bankruptcy entry with the credit report ( see attached letters ) doing nothing. 
I am requesting the CFPBs assistance in ensuring that the credit bureaus investigate and correct this inaccurate information in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I would like the bankruptcy entry to be accurately reflected or removed from my credit report if it is found to be in error. 

I have attached copies of my credit reports from the credit bureaus showing the inaccurate bankruptcy information, as well as relevant correspondence with the credit bureaus regarding this dispute. 

Please let me know if further documentation is required to assist in resolving this issue. I look forward to your prompt attention to this matter. 

Thank you for your time and assistance. 

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

I recently review a copy of my credit report. I was shocked to see I haven been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

my ex-husband let our house get foreclosed during our divorce XXXX years ago. I have worked hard to repair my finances and have improved my credit. the foreclosure has timed out on all of my credit reports, but I continue to be denied credit, it is always because of lexis nexis report- they should not be allowed to do an end run around state and federally mandated consumer protections. I have alerted them and requested that they remove it to no avail. I have opted out of their sharing my information-to no avail. I am ready to enlist the help of legal council to great personal expense. I thought I would first see if someone can just get them to do what is right
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about a fraudulent collection from XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$1400.00} ). They didn't respond to my request to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX