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

I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on the XX/XX/2019. 
I have been victimized by a multilayered scam operation orchestrated by XXXX - The funds were transferred utilizing Coinbase 's services in the total amount of XXXX EUR! 
I would also like to point out that on XX/XX/2019 - I filed a dispute with Coinbase. 
The SCAM Broker Story : I was scammed through the company XXXX through a person who calls herself XXXX XXXX. I was promised that they were very credible and professional trading company that would turn my investment into high returns. 
In a few days time, I started investing with them as per their directions. 
My Account Manager from XXXX suggested me to open an account in Coinbase, as money transfer was easier through it and will also cost less. I started transferring my funds from my bank account to Coinbase. 
My Account manager very politely convinced me to share my screen with her to transfer money from Coinbase to their XXXX. As I did not understand all these sophisticated technologies, I did as she said. 
In a few months time, I started demanding profits and was shocked to see their attitude. she completely vanished from all modes of contact. At the same time, I learned this Company is FRAUDULENT from reviews of the same victims like me and I immediately contacted Coinbase and explained my situation. 
Despite all my requests since a month there has been no genuine responsibility shown on their part ( see attached as well ).
Product: Credit reporting

The company refuses to remove negative and inaccurate information from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion XXXX XXXX was XXXX as of XX/XX/2020. On XX/XX/2020, my credit score dropped XXXX points to XXXX for no reason. The ONLY changes that took place to my credit report were the removal of several hard inquiries. When Transunion removed the unauthorized credit inquiries, my credit score should have increased, not dropped.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$110.00} Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$58.00} Late/Open XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Open XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the 3 credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
Here are the list of items that needs attention in my credit report : XXXX XXXX XXXX  XXXX  XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$5900.00} Medical XXXX Balance : {$110.00} Medical XXXX Balance : {$10.00} Medical XXXX Balance : {$75.00} Medical XXXX Balance : {$21.00} Medical XXXX Balance : {$80.00} Medical XXXX Balance : {$210.00} Medical XXXX Balance : {$31.00} Medical XXXX Balance : {$310.00} Medical XXXX Balance : {$28.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX Balance : {$5900.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card

I signed up for a Synchrony Bank Crate and Barrel Credit card based on advertising by the sales associate of rewards and payment plan options. I was told that I can chose one or the other not both. Also told me the rewards don't expire per say, even though it will show an expiration date I can just call customer service and theh would reinstate it. So last year some rewards expired and I called as told and got them reinstated without any questions or issues. Now again some new rewards expired earlier this year and now I called customer service they are denying that they would ever reinstate rewards, even though my rewards history show my rewards being expired and then reinstated in the past. I want to just be able to use my rewards as promised. If I were aware if permanent expiration of rewards I wouldn't have gotten this credit card because how often would I shop at a furniture store. I'd rather accumulate other points and services on my other credit cards.
Product: Credit card or prepaid card

XXXX is the Credit Card that OnceMain Financial offered me. I was informed I had protection that I was paying into with the loan if I lost my job. In XXXX, I did lose my job and have not yet found a new one. I had 4 other credit cards that all worked with me to go into a reduced payment without fees or added interest closed accounts or plans to continue to stay in good standing while I worked on finding a new job. Of course, I've exhausted boring money from family or friends and relief programs, and can't even cover my rent, utilities or car, which are necessary to finding work to pay off the credit card. The interest is 33 % so interest charges are ~ {$65.00} and my statement shows late fees charged the day after I made payments- Whaaatt??? 

XX/XX/XXXX - paid {$120.00} then on XX/XX/XXXX a late fee was posted of {$40.00} Trying to reach anyone over the phone at this company is a joke, and OneMain said they have nothing to do with the CC company XXXX, even though they are the ones who signed me up for the card. 

Turns out they do not offer any programs period, and maybe might remove one late fee. The issue with this is that they keep charging interest and late fees, and don't even follow the correct billing schedule. They refuse to acknowledge that no one is available in customer support, which causes further delays and late fees. They have no interest in doing anything but hounding you with automated calls throughout the day asking for money, which you responsibly called and explained your loss of income, but they refuse to work with you. You can submit a letter online, but then you just get a letter in the mail asking you to call them. Vicious circle! This results in further damage to your credit score. How are you supposed to work with a company that is unreachable and offers no customer service? XXXX and OneMain are scams of companies that whom should be avoided at all costs!! How is anyone supposed to pay this off? The card is literally in the negative now simply due to late fees and interest charges when the company could have actually tried to help and still get their money in the process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report To whom it may concern, I am writing to formally dispute the inaccurate information that is being reported on my credit report under the account number XXXX XXXX XXXX XXXX for my Capital One credit card. This account includes charges that were made fraudulently and do not belong to me. 

Despite providing both Capital One and XXXX with extensive evidence of the fraud, including police reports, identity theft reports, and a sworn affidavit, the inaccurate information continues to be reported on my credit file. Under 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be fully deleted from my credit report as it is inaccurate and does not reflect my true credit history.

As per my rights under the FCRA, I request that you conduct a thorough investigation of this matter and take immediate action to remove this account from my credit report. Please treat this letter as a formal notice of dispute. 

If this issue is not resolved within the timeframe specified by law ( typically 30 days from the date of receipt ), I will pursue legal action to seek damages for the continued reporting of fraudulent and inaccurate information under the provisions of 15 U.S.C. 1681n and 15 U.S.C. 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a XXXX XXXX XXXX XXXX XXXX veteran in 2009. As I had my physician at the VA signed off on my documentation, which I submitted to XXXX XXXX Loans. The documents were submitted certified mail return receipt also with a signature required. From 2009 to present I have not been able to have XXXX XXXX Loans remove from the comment section " Completed Investigation of FCRA dispute-consumer disagrees '' which is being reported 7 different times on my Experian credit report. I have tried to do everything possible to include but not limited to sending both Experian and XXXX copies of my certified mail receipt, signature card, and the letter from my physician stating that " I am a XXXX XXXX XXXX XXXX XXXX Veteran '' to no avail. In all seven student loans that I had with XXXX were the following amounts : {$930.00}, {$3300.00}, {$2800.00}, {$200.00}, {$2800.00}, {$3600.00} and {$4200.00}.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued frustration and dissatisfaction with the unresolved issue concerning the late open accounts entry on my credit report, despite multiple attempts to correct this discrepancy. 

As detailed in my initial complaint, I reported an inaccuracy in my credit report concerning the late opening of an accounts. Despite my efforts and your acknowledgment of the issue, the problem persists, adversely affecting my creditworthiness. 

I submitted a follow-up dispute, providing additional documentation and clarification to support my claim. Regrettably, subsequent to this second attempt, the late open account remains on my credit report, and I have yet to receive a satisfactory resolution to this matter. 

I understand that the credit reporting process involves careful investigation, and I appreciate the importance of accuracy in credit reporting. However, the prolonged presence of this erroneous information is causing undue stress and negatively impacting my financial standing. 

I urge you to expedite the resolution of this matter by conducting a thorough and timely investigation into the late open accounts entry on my credit report. It is my expectation that all necessary measures will be taken to rectify this situation promptly, ensuring the accurate representation of my credit history. 

I request your immediate attention to this matter and insist on receiving clear communication regarding the steps being taken to address this issue. As a responsible consumer, I have consistently provided the required information to facilitate a comprehensive investigation, and I expect the same diligence from 3 Credit Bureaus. 

Please keep me informed of the progress made in this investigation and provide a specific timeline for the removal of the late open accounts from my credit report. I believe that prompt action on your part will help restore the accuracy of my credit information and prevent any further negative impact on my financial well-being. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.
Product: Credit card or prepaid card

Thank you for your attention : I have been an American Express Serve Cardholder for, I believe, about 5 years. This is a prepaid card that I use for mail order and travel for better security. I have been very pleased with their services to date. 

On XX/XX/2022 I used my card.to purchase a hotel room from XXXX XXXX XXXX, XXXX. I purchased my room via XXXX, thus, my hotel stay was prepaid. 

On check in, I was told that there would be a security hold put on my account, which is customary, and usually lasts for no longer than 1 week. The hold put on my account was for {$170.00}. 

Weeks later, I noticed those fund were still on hold, and I inquired with the hotel the last days of XXXX. I was told by the hotel that those funds were released by the hotel to American Express the next day, XX/XX/XXXX at XXXX pm. The reference number they gave me was XXXX. The hotel phone number is XXXX. The customer service representative is XXXX. 

I called American Express Serve today to inquire, was sent to the " escalation '' desk around XXXX am. There, I explained the situation, including the release information, and was told that American Express Serve " always '' holds funds for 30 days ( meaning a XXXX release ) regardless of the merchant releasing funds at any date. 

Really?? This seems exceptionally unfair to the card holder, and fabulous for American Express. I would expect this to be front page news in the XXXX pages of national newspapers ( I worked for the XXXX XXXX for 7 years ). 

So before I kick this issue up to the media, and to put this department on record, can you please confirm or deny that this policy is legal and acceptable to your department, and why? Your department and this government supports this policy? 

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

I will make sure to clarify that I am able to verify my identity and login to my ( free ) experian account. I AM ABLE TO VIEW, THAW, LOCK, OR UNLOCK MY FREEEEEEE EXPERIAN ACCOUNT. WHEN APPLYING TO LENDERS or MOST RECENT APPLICATIONS FOR APT 'S. HOWEVERRRRRRRRR DESPITE THE FACT I REPEAT THE FACT THAT I HAVE ACCOUNTS IN GOOD STANDING.GOOD HISTORY, ON TIME BILL PAYMENTS & 0 DEBT. EXPERIAN WILL ( IN YEARS WILL NOT ) ( EXPERIAN ) NOT RAISE MY CREDIT FOR YEARS. BUT XXXX, XXXX XXXX ( XXXX, XXXX MONITOR MY IDENTITY, SEND ME UPDATES BUT EXPERIAN DOES NOT! I SETUP FRAUD ALERTS TO MY EXPERIAN SINCE XXXX. ( HAVE DISPUTED ADDRESSES, NAMES, LOCATIONS ETC ) I HAVE TO PAY EXPERIAN WHO WORKS FOR THE GOVERNMENT TO BOOST MY CREDIT SCORE, REVEAL MY BANK INFO ( WHEN I NOTICED MORE FRAUD TO MY IDENTITY, BANK BECAUSE OF EXPERIAN BOOST, IDENTITY WORKS ) A PERSON POSING AS ME MADE CONTACT WITH EXPERIAN TO GAIN ACCESS TO MY IDENTITY, THE FRAUDSTER CREATED A EXPERIAN IDENTITY WORKS TO DUPLICATE MY IDENTITY TO KNOW MY WHERABOUTS, INCLUDING LOCATION, A XXXX XXXX ADDRESS I DID NOT RECOGNIZE ( it took 2 + years to XXXX  XXXX, EXPERIAN from XXXX to XXXX to remove this address ). EXPERIAN WILL NOT RAISE MY SCORE WITH GOOD REPORT HISTORY SUBMITTED TO EXPERIAN. I UNLOCK MY EXPERIAN WITH MY GOOD HISTORY TO APPLY SINCE XXXX OF XXXX, HAVE NOT BEEN ABLE TO HAVE APPLICATIONS SUBMITTED TO VERIFY MY BACKGROUND WHY BECAUSE DESPITE THE FACT I CAN UNLOCK OR THAW MY FREE EXPERIAN BUT EXPERIAN & TECHNICAL WILL NOT ALLOW MY EXPERIAN REPORT TO BE VIEWED OR SEEN. I WILL SAY THIS AGAIN ( I CAN ) THAW, UNLOCK MY EXPERIAN, STILL RECEIVING LETTERS THAT BECAUSE OF EXPERIAN ERROR & UNABLE TO APPROVE FOR APT & ETC. I DO NOT WANT TO LIVE IN A HOTEL OR STREET! 2. A XXXX XXXX I WAS NOTIFIED IN XX/XX/XXXX was to be removed due to my proof, police report. IT IS REMOVED WITH OTHER CREDIT BURUEAS BUT EXPERIAN WILL NOT REMOVE. How strange.unsusual unrecognized with my identity, within split seconds ( like they just brushed it off ) " emails '' ( from experian ) that disputes are complete but takes at least 60 days!
Product: Credit reporting

I contacted Equifax and disputed the above referenced accounts on XXXX/XXXX/16. They were deleted from my file when I obtained a subsequent credit report of XXXX/XXXX/16, on report # XXXX, which i am attaching for your convenience. 

However, then on XXXX/XXXX/16 i noticed they were back on my credit report. I received no notification that they would be reinserted, i received not explanation as to why, i just found the items back on my report. 

The FCRA states under 611 : " Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] '' that I am to be notified of the reinsertion of any deleted accounts within 5 days of the reinsertion. I received no such notice. 

In essence, this is a serious violation of the FCRA. i 'm asking for the help of the CFPB to take action and insist that equifax immediately and permanently delete these accounts from my credit report as is required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not my responsibility..I never purchased anything nor was I notified about this error.. The accounts just appeared on my credit report..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first.Either these creditors made a mistake placing them on my credit report or someone messes up with my personal information, either way, I want you to remove them asap XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX/XXXX/2014, i ordered the instaltion services at Lowe 's XXXX XXXX, located at XXXX XXXX, XXXX Tx XXXX. This is there phone number XXXX. I used the Lowe 's XXXX credit card. I trying to set up the automatic payment with them at The lowes center and i tried too call them many times.I let them know that i went out of the country and i trying to set up automatic payment. Because i cant go online and pay every time. The customer service agent from lowes was not helping me at all. I can ' t set up automatic payment with them on the phone and instore. I MISSED THE PAYMENT because of that. I am really frustrated because of that. they sent me to collection without trying to help me set up the payment. it is not my fault. i tried to call them, went online, instore. Nothing solve.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/2025 Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Business alarm company that I never approved, The company now sold to a collection agency, It has it report on my XXXX AND EQUIFAX REPORT AND THIS IS WHAT IT SHOWS, I keep on disputing this incorrect information, and it keeps on coming back to my reports. PLEASE HELP! TO GET THIS RESOLVED AND REMOVED. 


General Account Info Report Number : XXXX Date Generated : XX/XX/2020 Account NameXXXX XXXX Account NumberXXXX Account TypeLease ResponsibilityIndividual Date XX/XX/XXXXStatusCreditor can not locate individual. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated0XX/XX/XXXX Balance {$5600.00} Balance XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$120.00} Original Balance {$7000.00} Highest Balance {$0.00} Terms60 Months
Product: Credit reporting or other personal consumer reports

Dear " To Whom It May Concern I am writing to address a matter concerning inaccurate information on my credit report, failure to fulfill a required action under the Fair Credit Reporting Act ( FCRA ), etc. ]. As you are aware, under 15 U.S.C. 1681 ( o ), an entity that negligently fails to comply with any requirement imposed by the FCRA may be held liable for resulting damages. 
The account is XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXXXX/XX/XXXX XXXX. 

Background Information : Nature of Issue : '' You reported inaccurate information to my credit file, which caused a denial of my recent loan application. '' ] Details of Non-Compliance : [ Explain how the company 's actions violated the FCRA, failure to verify the accuracy of information before reporting, failure to correct errors after notification, Harm Caused : financial loss, emotional distress, Legal Basis : Under 15 U.S.C. 1681 ( o ), civil liability for negligence allows for recovery of : 1. Actual damages sustained as a result of the non-compliance.

2. Attorneys ' fees and costs incurred during enforcement of this obligation.