23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt collector First Financial Resources Inc. ( phone : XXXX, email : XXXX, website : XXXX ) continues to send emails to collect on debt that has nothing to do with me. Listed debtor according to their email is XXXX XXXX. I am not related to this person nor do I know them. 

First email received XX/XX/year>. I sent reply to their email that same day explaining that I am not XXXX XXXX nor do I know them and asked FFR to stop contacting me. I received no acknowledgement to my email. 

Second email received XX/XX/year>. I sent reply to their email that same day again explaining the above facts and FFR them to stop contacting me. I also noted that they continue to contact me despite my request for them to stop. I received no acknowledgement to my email. 

Third email received XX/XX/year>. I sent reply to their email the same day ( today ) explaining the above facts and asked them to stop contacting me. I also noted that they continue to contact me despite my request for them to stop. No acknowledgement to my email at this point in time. 

The emails they send show a link to unsubscribe, but the link is broken. They ignore emails asking to stop contact. I would think once they know they are sending a person 's info to a complete unrelated stranger, they would want to stop.
Product: Credit reporting or other personal consumer reports

The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX - The following personal information is incorrect- This employer information does not belong to me. 

Incorrect Address - XXXX XXXX XXXX, XXXX, TX, XXXX - The following personal information is incorrect- This employer information does not belong to me.
Product: Checking or savings account

I had a business account with mercury financial, on XX/XX/XXXX they closed my account and told me they were holding my {$52000.00} for 60 days then they would return. It, so about a week prior to the 60 day mark ( XX/XX/XXXX ) they asked me to provide a checking and routing number of an account in my name so they could transfer my money back, which I provided, then on the XXXX nothing showed up so I emailed them and they said " there must have been a miscommunication and they were keeping my money indefinintly... I asked why and they said I violated a term of service... ( dont know what one still ) I pressed for further info and I got some lane excuse saying they take a holistic approach to this and are keeping my money and would not discuss it further with me... which they haven't.. they ignore all attempts to contact them by blocking my phone number and ignoring emails... I filed complaints with their XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  and have got nothing except 2 months of pass the buck while they all blame each other and tell me I have to talk to mercury... who refuses to discuss it with me... in other words ... .I got nowhere ... unless you count losing all my customers money, ruining my business and causing me to have every creditor on earth out for me... .I got there but nowhere else ... I read online that this happenes quite frequently with mercury and that their fraud software is overly sensitive and flags things that shouldn't be flagged and they have got in lots of hot water over it already ... I just don't see how they can decide to just keep my money with no reason given at all ( even with a reason for that matter )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct : 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 XXXXXXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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: Checking or savings account

To whom it may concern, this is the third complaint filed for said issue of unauthorized charges on my Discover Bank Checking Account. Ive tried contacting XXXX XXXX who has reponded previously I have tried reaching out to her on XX/XX/20 about the unauthorized transactions from XXXX and XXXX. and have left a voicemail with no response. I have requested proof of these transaction to prove they are valid as their investigation has claimed. No response from discover was provided in the last response other then the corresponding chats they have had with the merchants. I have received my refund from XXXX on XX/XX/20 for my purchase that was made on XX/XX/20 in the amount of {$190.00} then another transaction appeared on XX/XX/20 for that same amount discover has advised me XXXX took back their credit for returning the wrong item or some nonsense. This transaction was NOT AUTHORIZED. the refund was already completed and processed for that purchase. A NEW transaction appeared on XX/XX/20. another transaction that has been previously disputed with discover with XXXX for merchandise that has been returned, XXXX did not refund for this purchase. discover not willing to provide resolution for this. there are 2 other transactions in the amount of {$230.00} and {$140.00} that also were not authorized for XXXX witch I do not use. discover has claimed transactions are authorized because merchandise was received and matched my information this orders were not authorized or made by me. Discover is claming regulation E does not cover Merchandise Not Received. However The transactions were not authorized.
Product: Mortgage

On XX/XX/XXXX complained to NewRez Corp ( my VA loan provider ) that I had received a delinquent tax notification copy of the delinquency notice ( sent on XXXX ), and was asked to send. At that time there was sufficient funds in my Escrow account to pay the total tax bill which had increased from {$3400.00} to over {$3800.00} due to the delinquency. I asked them to immediately pay my taxes on XXXX, XX/XX/XXXX and XX/XX/XXXX. I was sent several notifications that this would be taken care of. When I called and asked why, I was told the tax had already but paid, the amount was still in my Escrow, and again send a copy of my delinquency notice. Then I received a notice of wage garnishment and then contacted them several more times after this. My tax was finally paid on XX/XX/XXXX, but only after 3 wage garnishments had been made, and likely a fourth the upcoming pay period. I am now short {$1600.00} and will not be able to make my upcoming mortgage and will likely have to pay a late fee thanks to their poor service. I have also had to pay the {$480.00} charge for the delinquency.
Product: Money transfer, virtual currency, or money service

Coinbase.com is a well-known cryptocurrency wallet and exchange, but with a checkered, shady past. Despite this, they remain the easiest and most popular way to purchase and sell cryptocurrencies. 

After reading this article ( XXXX XXXX XXXX  ), I decided the safest thing to do for the funds I have with them is to move them out. If Coinbase has the ability to shutdown buying and selling wontonly and against the wishes of its customers, which is a market manipulation issue in of itself, then there's nothing stopping them from seizing my coins without notice or reason. 

On XX/XX/2021, at about XXXX XXXX  PST, I withdrew my bitcoin holdings to the tune of XXXX XXXX or about {$1700.00} USD at the time. Coinbase said this would take 6 block confirmations ( or about an hour give or take ) for the transaction to complete. However it's important to note that transactions are broadcasted to the Bitcoin network even before any confirmations take place, meaning that receiving wallets will know when funds are incoming even though the transaction overall is still pending ( waiting for confirmations ). It's now been about 2 hours since Coinbase claims my bitcoin was " sent '' and yet my receiving wallet doesn't show the new transaction, block explorers ( which allow people to see transactions directly from blockchain data ) are showing no activity for the address used in the transaction, and Coinbase itself shows 0 confirmations ( which again take about 10 minutes each ).

The images I provided were 4 expected confirmations after the coins were supposedly sent. At least 10+ blocks or confirmation periods have passed and yet my funds are still in Coinbase custody. 

My account has no restrictions. The transaction was not restricted in any way ; I have not been notified as much ( which is another red flag issue ). The bitcoin addresses I used are 100 % correct, so this is 100 % the fault Coinbase and their denial of expected service. 

I emailed Coinbase support with no response. I've posted to relevant social media, which their support reads and responds, with no response. Digging a little deeper on their subreddit ( XXXX ), I'm far from the only person experiencing these withdrawal games. Given their checkered past and known hostility towards the consumer, I fear the worst for my funds. 

Again, I'm not the only one in this boat. Please investigate this company thoroughly.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, a consumer used his credit card to make a purchase he authorized with my business.There were 3 separate charges to his XXXX XXXX card which were processed through my merchant account with Paypal : XX/XX/2018 in the amount of {$820.00}, XX/XX/2018 in the amount of {$2400.00}, and on XX/XX/2018 in the amount of {$2500.00}. The total for the three purchases was {$5700.00}. XX/XX/XXXX the consumer did receive and use what he purchased and had no  complaints whatsoever. On XX/XX/XXXX the consumer mistakenly forgot about the charges and disputed the charges with his XXXX. As a result, Paypal immediately reversed charges and refunded the consumers XXXX XXXX card immediately withdrawing the {$5700.00} from my Paypal balance. After speaking with the consumer in regards to the matter, he acknowledged his error and contacted XXXX XXXX to again approve the 3 charges. I explained all to Paypal in writing. Paypal told me that it could take up to 80 days to resolve a chargeback dispute and that they would investigate the matter. Under the direction of the consumer on XX/XX/XXXX XXXX XXXX then dropped the dispute and reapplied the charges to recredit my account, sending the money back to Paypal to refund to me. I subsequently have contacted Paypal several times by email, phone and fax to determine when the {$5700.00} would be re-credited to my account. Paypal tells me they have not heard anything from XXXX and has received no money back from XXXX. I notified the consumer of this. He initiated a 3 way conference call with myself, himself and XXXX who verbally told me they refunded the money to Paypal to return to my merchant account XX/XX/XXXX. The XXXX XXXX provided the control number for the reversal transaction. Paypal continued to deny receiving any funds returned. On XX/XX/2018 XXXX provided me with a letter clearly stating they cancelled the dispute and sent the charge money back to paypal to refund me on XX/XX/XXXX. I forwarded the letter from XXXX to Paypal chargeback department yet they still continue to deny that they have received the money from XXXX. Paypal has conducted no investigation of the charge back. I have spoken with a supervisor at Paypal to help me get my money redposited into my account. Paypal is now wrongfully withholding my money for 90 days, despite my multiple attempts to rectify the situation. I've completed a Paypal online appeal process, I've called on numerous occasions, and each time have had to wait 2 to 3 hours to speak with a representative about this matter. Each time, I've been told that they have no updated information regarding the matter since XX/XX/XXXX when the original charge back dispute was filed in error. 



It is my belief that Paypal as a financial institution is behaving unprofessionally, fraudulently and is wrongfully withholding my money. I have complied with any and all instructed actions in an attempt to resolve this matter. I am filing this complaint in the hopes of receiving any assistance you can provide. I am forwarding the letter from XXXX stating they gave Paypal my money on XX/XX/XXXX.
Product: Debt collection

am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with Midland Credit Management, they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Contacted the company to get this inaccurate information cleared up but they have failed to do so. They have not provided any information about this account belonging to me such as the original promissory note or any form of indebtedness. 


I have already contacted the company 3 times and no response.
Product: Debt collection

I received notice from XXXX XXXX that a debt collection had been added to my account, thereby substantially impairing my credit. I dispute this debt ; I paid my bills regularly for the almost 20 years that I lived in Ohio. This is apparently a claim that I owe {$69.00} to a utility company, XXXX XXXX XXXX I have not been a customer of this company for almost two years, and received no written claim or verification. I want this removed from my credit account immediately. This feels like a scam created to coerce money from me by ruining my credit rating.
Product: Money transfer, virtual currency, or money service

From XX/XX/year> to XX/XX/year> i had taken a trip aboard outside the United States to complete a summer course and to visit friends/family. I myself am a United States citizen. During this time my account on Gemini was locked/frozen. Presumably because their service was on my phone and was flagged. I understand, this happens. I have the documents to show my trip and the dates, along with my name on these tickets. They are presented in chronological order and dates/places are noted on the tickets that are in another language. 

On XX/XX/XXXX, I opened a support ticket with Gemini exchange, explaining my problem. They responded and explained that their services are not available in the country I was visiting and to contact them once I return to the United States. I do so ; they ask for my passport, photograph and my ticket information and purpose of trip. I provide that information and they respond that my issue has been resolved. I check my account and it appears to be the case, i can now open my account, a few days later i realized that while my account can be viewed, i can't actually use any of the functions, withdraws, buying and selling buttons are grayed out with a message saying my account is still frozen. I contacted Gemini again, I started a new ticket but also continued my dialogue on the old ticket and through both they once again ask for the same verification documents. I provide them, again. This would be 3 times Ive had to provide identification documents and proof of my trip. This all happens on XX/XX/year>. After this i get no reply whatsoever. On XX/XX/XXXX, Through two tickets i ask for confirmation, and note i haven't heard anything for a while. Once again silence. I receive a bot reply alittle later. On XX/XX/XXXX I once again submitted my documents and note the purpose of my trip. No reply. XX/XX/XXXX I again note that I haven't received any response, provided all requested documents and i respectfully ask for help. I get another empty bot reply. 

I have over {$110000.00} worth of currency on this account. All of my replies through this process appear to be from bots ; there doesn't exist a phone number or any alternate way to get a hold of the company or get help. I attempted to contact them through XXXX of their official social media accounts and received no reply. I stand to lose a great deal of money if this isn't resolved as crypto is time sensitive. My money is held hostage and i can not do anything, cant talk to anyone and receive only stock bot replies through their online help center system. All of this evasiveness and stonewalling makes it seem as if the company is attempting to hold on to my currency. Its been almost 6 months since this issues has happened and in that time it has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that the same accounts was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This Bank is reporting on my record that the loan is a charge off it is also reporting that I have a past due on my record. This account was settled it was a vehicle in accident and was paid by the insurance agency. So this is an inaccuracy on my report and should be removed immediately. I have sent several letters to all 3 credit bureau and I am not getting any results this is causing a major problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX XXXX XXXX collections account was removed from my XXXX credit report. On XX/XX/2024 XXXX XXXX XXXX collections account was removed from my XXXX credit report. 

XXXX & XXXX sent a deletion request to all three credit bureaus why is this still on my equifax report I have attached photos from my XXXX and XXXX showing the deletion
Product: Debt collection

IN XX/XX/XXXX UP UNTIL XX/XX/XXXX I HAVE CONTACTED NATIONAL SYSTEMS INC TO REMOVE A FRADULENT COLLECTION AND THEY HAVE REFUSED TO HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$67000.00} XXXX XXXX XXXX XXXX Balance : {$26000.00}.
Product: Credit reporting or other personal consumer reports

I paid XXXX XXXX XXXX  off of XX/XX/2021 they have that I did not pay them off and this account is too old to be on my credit report
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX : {$900.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Checking or savings account

starting with date XXXX XXXX for XXXX was paid at a XXXX XXXX. multiple more items from XX/XX/2022 until XX/XX/XXXX when we closed the account. All were ach ; s such as a XXXX ach, plus many other web payments specified. There are way too much to list. The was also directg web payments not done by me. The total amount of money aken from the account was XXXX of what I was able to determine. PNC will not refund close to XXXX of my money. This has been going on for 14 months in which they only sent a check for XXXX. They claim they closed the issue and will not return or credit the rest of the balance. They are claiming the the money not refunded was done by me. It was not. People were paid with my money out of state including mortgage, credit cards car loans etc.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I see inaccuracies on my account. These hard inquiries listed below need to be removed within XXXX or XXXX days. These accounts being reported on my credit report cost for action of the deletion because these accounts show many inaccuracies or fraudulent charges, not made by me across all bureaus show that these accounts are in clear violation of my fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I called my credit company to file a dispute regarding my account they put 3 late payments on my account. I have never used the credit company again after I didnt receive my order. I made an order and I never received it I ordered 2 items they said they canceled both of them. I received a bill so I called and they told me that only one was refunded it was their mistake that they would fix it and remove the late payment. They never removed the late payment remarks now its on my credit report as late payment and its effecting it.when i called on XXXX I spoke with the credit card company and they verified I was never late that it would be fixed snd my dispute came back and nothing was fixed the company is Swiss colony