23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several disputes with XXXX, XXXX, and TransUnion all for the same issues. There all responding back with several excuses. The first excuse is- it takes up to 60 days for completion of investigation. 2nd - Public Records Bankruptcy was verified as accurate. XXXX and XXXX- both use XXXX as furnisher of information. XXXX has provided documentation that shows bankruptcies have been removed from there credit file. XXXX recently removed all three fraudulent filed XXXX  XXXX bankruptcies cases ( XXXX, XXXX, XXXX ), however, they did not recalculate my credit score, yet my credit score dropped significantly. XXXX- removed the bankruptcies from my credit file, however, they've since re-entered the bankruptcy case # XXXX. There was no notification from XXXX regarding this change. XXXX did not recalculate my credit score, yet it dropped significantly low. XXXX have been provided with a copy of my credit report investigation showing bankruptcies were deleted by them, also, provided letters from XXXX stating no bankruptcies are not being reported by them. A letter from the US Bankruptcy Court in XXXX XXXX office - stating they do not report to credit bureaus or third parties. A new XXXX  Bankruptcy Amendment by Congress was also attached regarding corrections and verification of bankruptcies changes. I've requested a letter of validation from TransUnion and XXXX. Both requests have been ignored. I requested any documentation bearing my signature giving transUnion, XXXX, XXXX, and LCI permission to report inaccurate information on my credit file. This too has been ignored not provided. TransUnion recent reinvestigation completion on XX/XX/2023, public record for fraudulent bankruptcy determined it was NOT SPECIFIED. However, it was still being reported as before. I informed all three credit reporting bureaus, I am a victim of Identity theft. This was a heinous act against me. I have provided each credit reporting bureaus with a police report from XXXX, TN, FTC Identity theft report, copies of my driver 's license, utility bill, social security card showing that I have always lived in XXXX, TN. Other fraudulent Identity theft accounts is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. My credit score is consistently dropping for unknown reasons. My score has yet to increase with some of the deletions. After, disputing all inaccurate information with these credit reporting agencies, my credit score drop down lower. This is occurring, while Disputes are still under investigations. The credit reporting agencies, are not making comments that such items are under investigations. These are violations, that has been ongoing out of control with XXXX, XXXX, and TransUnion. My credit score is being destroyed and the credit reporting agencies are not adhering to any FCRA laws or XXXXaccountability.
Product: Debt collection

Calling using different numbers. Contacted my daughter in-law with a recorded message indicating I was being served. 
When I called their office I was badgered by the same representative three times in a row.

There is no collections outstanding for me.

I have clean credit records with all three reporting agencies.

Tactics involving contacting other individuals must stop.

Contacting me in any form must stop. 
No one is listed as a co-creditor ever for any credit in my lifetime. 
This is fraud and abuse!
Product: Money transfer, virtual currency, or money service

XXXX XXXX. 
XXXX Date : XXXX Coin base Support Coin base, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX Urgent Complaint Regarding Fraudulent Transactions. 

Dear Coin base Support Team, I am writing to urgently bring to your attention a series of fraudulent transactions that have resulted in a significant financial loss for me. Below are the details of my case : Victim : XXXX XXXX Loss Amount : USD XXXX Payment Method : Cryptocurrency ( ETH ) First Transaction Date : XX/XX/year> Last Transaction Date : XX/XX/XXXX, XXXX umber of Transactions : XXXX Currency : Ethereum ( ETH ) On XX/XX/year>, and XX/XX/year>, XXXXwo unauthorized transactions totaling USD {$30000.00} worth of Ethereum ( ETH ) were made from my Coinbase account without my consent. Despite implementing two-factor authentication and regularly updating my passwords, my account was compromised. I am deeply concerned about the security of my account and the effectiveness of the protective measures in place. I urgently request Coinbase to take the following actions:1. Reimburse the Full Amount Lost : Please reimburse the full USD {$30000.00} that was stolen through these fraudulent transactions.2. Enhance Account Security : Review and enhance the security protocols for my account and provide detailed guidance on additional steps I can take to prevent future incidents.3. Investigate the Fraudulent Activity : Identify the source of the breach and take appropriate legal action against the perpetrators.4. Provide Regular Updates : Keep me informed about the status of the investigation and the steps being taken to resolve this issue.This situation has caused me considerable financial and emotional distress, and I am relying on Coinbase to address this matter promptly and effectively. Please acknowledge receipt of this complaint and provide a timeline for the investigation and resolution process. I can be reached at XXXX for any further information or clarification needed.Thank you for your immediate attention to this matter. 

I look forward to your swift and positive response. 

Sincerely, XXXX XXXX
Product: Debt collection

I have asked XXXX, XXXX, and XXXX  along with SANTANDER CONSUMER USA to please look into to making sure this account is not an erronous, inaccurate, unverified account Account number XXXX. They are using there power to ignore my request for ALL supporting documentation. They are all in violation of 15 U.S. Code 1692 ( d ) ( 1 ) buy using illegal tactics to ruin my reputation and profit off my credit report. I am in the middle of trying to purchase a home. They are making me stressed causing me great anxiety because they are doing this to keep me at a disadvantage. They all assumed this position to keep accurate records and I believe they are not doing so.
Product: Credit card or prepaid card

I purchases a {$100.00} Reloadit  pack from XXXX XXXX XXXX XXXX and tried to load funds to my prepaid XXXX card. The Reloadit requires me to open a " digital vault '' with them and transfering funds to vault before loading onto my prepaid card. Well the thing is the company software doesn't work on tablets or smart phones .... ok. So I went to the library and the company software didn't like that it was a public computer. I call Blackhawk Network and they say I'm just not using XXXX   correctly. 

So the reload packs are really easy and convenient as long as you have a desk top computer running only the latest XXXX. They refuse to refund my money even though the card was unopened and they have all my info. They will not issue a refund unless I give them copies of my ID, copies my mailing address, pictures of my mail, pictures of my ID card front and back, and selfie pics. I'm not making this up, they are holding my funds hostage unless I provide enough info to setup fraudulent online accounts in my name with no problem. This company has not attempted to update anything in the last 5 years to allow use of a tablet, mobile or XXXX  device. They refuse to help open a digital vault. They will not do anything without me sending them pics of mail for address verification, pics of state ID and selfie pic. That's more than enough info for somebody to fraudulently trade crypto currency under my name. Never before has a company refused to refund my money unless I gave them sensitive personal info. These guys are a scam and somehow they are allowed to operate across the country taking people 's money with no intention of providing the advertised service. Fraudsters.
Product: Mortgage

PNC Bank and Mortgage Service Account XXXX Joint account : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX We opened the mortgage in XX/XX/XXXX as part of a refinance. The loan was paid off in full by per PCN, but they then added a penalty fee of over {$900.00} dollars to the balance. They have ruined my credit report and continue to do so. We have called them numerous times with no resolution. We need to physically go to the PCN branch, but we can not afford to take time off to address their billing errors. According to MGL Sect 56 and Sect 57 Chapeter 183, PCN are unlawful in their actions. 
XX/XX/XXXX -Amount owed was XXXX We paid {$1500.00} The balance should be {$190.00}, but it was not. PCN hit our credit with a Past Due notice of $ XXXXeven though we just paid them {$1500.00} XXXX We paid PCN {$790.00}. We were notified our account was " Paid in Full '' after this payment. But then, PCN added an additional {$900.00} to our account, after we were told it was paid in full. They told us it was a penalty for early payment. But, the loan was not paid early, it was paid over the course of 15-years. We continue to try to work with PCN but they neglect to respond to our calls or letters. Our credit scores are constantly being effected by these illegal charges. Please advise.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} ; US DEPT ED XXXX  {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX  {$4100.00} ; US DEPT ED XXXX* {$1600.00} ; US DEPT ED XXXX {$3300.00} ; US DEPT ED XXXX {$7600.00} ; US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX  {$4100.00} ; US DEPT ED XXXX {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit was paid off.
Product: Credit card

I was notified that due to a recent credit report, Citi reduced my credit limit from {$3000.00} to {$1600.00}, with my current balance of {$1500.00}. This new limit is only {$47.00} over my current balance due. There was no legitimate reason to do this to me as I have never paid late and had often paid more than the minimum due. I called to request the limit be increased back to the original limit since the new limit is too close to my balance and I don't want to incur over the limit issues. 

They have refused to increase it to the original {$3000.00}, stating their decision is because of a late payment on my credit report- which was an error last XXXX involving a different card- and that company issuing me the card that received a late payment did not reduce my {$4000.00} credit limit. 

Citi 's refusal to reinstate my original credit limit will now bring me very much closer to the 100 % credit utilization - at 97 %- which will negatively affect my credit score - I previously was approximately XXXX  % utilization with this card. 

Their decision will also cause me to go over the credit limit of this card once finance charges occur, which would subject me to any negative results with Citibank- but will also result in other credit issues since credit utilization is a part of my credit score and if their actions force me to exceed 100 % of the limit, my score will decrease further. 

This is an unethical decision and it could also potentially result in employment concerns since my employment position requires a positive credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I submitted a complaint and keep requesting for Capital One & XXXX  to verify accurate account information. I am being targeted/retaliation for unauthorized disputes on good standing accounts to be removed. I still havent received any verified account information in the mail in which requested.
Product: Credit card

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 sec. 602, which states I have the right to PRIVACY, in addition under section 604A ( 2 ) state that Consumer Reporting Agency can not furnish an account without my written instruction. Under 15 USC 1666 ( b ) A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
WELLS FARGO CARD SER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a dispute to all 3 credit bureaus Equifax, XXXX, XXXX in regards to some inaccurate information being reported. They never launched an investigation into the matter. I never received any documentation confirming the results nor any proof to validate that these negative items belong to me. I have no knowledge of this accounts and have not signed any agreements in regards to these accounts. 
XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX  XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN, MY NAME IS XXXX XXXX AND I AM WRITING THIS STATEMENT ON MY BEHALF. PER 15 US CODE 1681S2(A)(1) (A(&C) AND `5 US CODE 1681-B OF THE FEDERAL CREDIT REPORTING ACT (FCRA) THE ACCOUNTS LISTED IN THIS REPORT SHOULD NOT
BE REFLECTING ON MY CREDIT REPORTS AS THEY VIOLATE MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. PER THE FCRA LAWS
PROVIDED, THEY SUMMARIZE THAT IT IS NON-PERMISSIBLE FOR A CONSUMER TO REPORT ANYTHING UNDER ANY CIRCUMSTANCES,
WITHOUT MY WRITTEN CONSENT OR INSTRUCTION TO DO SO. NO CONSENT CONSTITUTES AS IDENTITY THEFT. AS A FEDERALLY PROTECTED
CONSUMER, I AM DEMANDING THE REMOVAL AND DELETION OF ALL THE LISTED ACCOUNTS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

5 years ago XXXX placed fraudulent information on my credit file indicating I owed them {$650.00} +or - for which there is no truth. The truth is I was lied to by their rep while in the office, given some paper work to take home which required me to return with the needed information before opening an account with them. When I reviewed the information I knew they were not reliable and return all of the material the next morning to the same office from which I was given the material in XXXX XXXX. That should have been the end of our short association but they didn't like my rejection and filled the fraudulent information. I have no reason to check my credit report but when I was sent a statement that my FICA score had been reduced and asked for a report I discovered their lying ways. Trying to work with you has been impossible because of the stupidity of your rulels.
Product: Credit card

Im Victim of identity theft and fraudulent use of my credit card. I was issued payment from Unemployment which I did not receive the funds and my card was used for unauthorized transactions not made by me, I have been fight for the past 2 years I have submitted police report, proof of address at the time of incident and 10 written explanations for reconsideration claim review. I need this escalated this has put me in severe financial hardship. In requesting that my claim be approved and my funds be returned immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax report
Product: Debt collection

On XX/XX/2022, I paid an alleged of {$150.00} to XXXX a debt collector in connection with zip formerly known as QuadPay. This has been causing undue stress upon me. I have contacted them requesting a refund and I only am receiving automated system and automated emails back. This is a direct tarnishment of my reputation as this information has already been reporting negatively to consumer reporting agencies without my knowledge or consent.
Product: Vehicle loan or lease

XX/XX/XXXX We buy a new leased XXXX XXXX ; and end our lease on XXXX same model car. Dealer XXXX salesperson verifies that cord is there, tire kit, GPS, and overall says " good shape, this will be a great car for resale. '' In XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/ get heavily called by XXXX XXXX asking us about the XXXX XXXX. I say it was turned in XX/XX/XXXX ; we do n't own and give out name of salesperson. The calls get so bad I file a complaint w/corporate XXXX and ask them to reassure this dealer will ground the car and do their job, we 've had issues w/dealer in the past and I am informed that they 've noted my complaint ; dealer will be reviewed, there wo n't be an end of lease bill. XXXX apologizes for dealer lack of good service for customer loyalty on 2nd XXXX purchase. 

XX/XX/XXXX we get end of LEASE bill. I have many conversations trying to get XXXX XXXX management to sort out that the bill is bogus. dealer sat on car for 3 months - why are we liable for a car that we had no control over how/what/used? XXXX, " Office of the President '' manager waives the power cord charge, but wo n't budge over tires. Every time I call I explain that i ca n't start over w/every rep & retell the saga of this dealer. I ask for an internal email to be sent to a XXXX rep that I DID have a logical conversation with in XX/XX/XXXX. That rep calls, leaves a XXXX XXXX number- ca n't reach her in a sea of XXXX employees? I call back numerous times and ask again that an internal email be sent to her again, so that she 'll call -- hopeless. My last request was for " ALL CALLS to stop, that we will not pay these false charges. '' XXXX called again today and it was not the " Management Specialist '' that I asked for. I can not start over every time with a new rep ; these calls are harassment, they go nowhere and even XXXX management will not help.
Product: Debt collection

Debt was included in XXXX XXXX  bankruptcy and they keep selling the debt to collection agencies. The original creditor is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX along with XXXX, Equifax, XXXX, and XXXX all have been notified stating to please remove all other addresses off my report, as they are not deliverbale to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.

15 U.S.C section 1681s-2 ( a ) Duty of furnishing of information to provide accurate information.

( 1 ) PROHIBITION ( a ) Reporting information with actual knowledge of errors A person shall not furnish information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and conformation of errors A person has been notified by consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and info is in fact inaccurate
Product: Credit reporting or other personal consumer reports

XXXX  acccount on experian needs to be revised and deleted as it has on other report asap XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I mailed a dispute letter through USPS Certified Mail to TransUnion disputing inaccurate and invalid accounts on my credit file. TransUnion received the letter on XXXX XXXX, XXXXWithin 30 days I received a letter from TransUnion saying that the invalid accounts where verified. On XXXX XXXX, XXXX I mailed another letter through USPS Certified Mail to TransUnion asking for method of verification and proof of verification. TransUnion received the letter on XXXX XXXX, XXXX. Within another 30 days I received another letter from TransUnion stating the exact same thing as the first letter. The letter said the accounts have been verified. TransUnion did not provide any proof or details on how the accounts were verified. On XXXX XXXX, XXXX I mailed yet another letter through USPS Certified Mail to TransUnion asking them to delete the UNVERIFIED accounts from my credit file per the FCRA. Within 30 days I received a letter from TransUnion stating again that the accounts have been verified. How can TransUnion say that they verified an account and not provide information on how the accounts was verified? How can TransUnion be allowed to willfully neglect FCRA and report inaccurate and unverified accounts on my credit file? This has caused me a lot of suffering. The Credit Bureaus makes billions from selling consumer information. They stand to make more money from consumers with bad credit, which is probably the reason that they refuse to do a proper investigation. The way they treat the powerless consumer is very unfair and unjust. If an account is not verified how can they be sure that the account belongs to me. Any company that has an account with TransUnion can report inaccurate information onto your credit file without proper verification as long as they are paying TransUnion. Please delete these inaccurate, invalid and unverified items from my credit file : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Thank You
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.