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

Despite multiple previous disputes regarding this account, the inaccuracies remain uncorrected, demonstrating potential willful noncompliance under 15 USC 1681n.

Details of the Disputed Account : Account Name : XXXX Debt Validation Issues : The company to which the debt was sold, XXXX XXXX XXXX , investigated and stated they can not validate the debt, hence they ceased collection efforts as indicated in the attached correspondence dated XX/XX/year>. However, XXXX continues to report the debt. This violates the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ( b ) ), which requires furnishers to cease reporting information if it can not be verified. 

Repeated Disputes Ignored : Despite previous disputes, the errors have not been corrected, indicating potential willful noncompliance by the credit reporting agencies and XXXX. Under the FCRA ( 15 USC 1681i ( a ) ), credit reporting agencies must reinvestigate disputes and correct any inaccurate information. Repeated failure to correct errors can be considered willful noncompliance under 15 USC 1681n, making them liable for damages. 

Supporting Documentation : The letter from XXXX XXXX XXXX confirming they ceased collection efforts and can not validate the debt.
Product: Money transfer, virtual currency, or money service

I cashed out my Coinbase account on XXXX XX/XX/2024. Their web site emailed me saying I would receive my {$130.00} by XXXX XX/XX/2024. I have neither received my money nor any follow-up email from Coinbase.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX Phone : XXXX Email : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Tunderstand that acording to fedeal Law 15 .5. code 16513 ( 2X41 ), a corsune report does aor 2926 information solely as to transactions or experiences between the consumer and the person making the payment 1 also understand that according to federal law 15 U.S. code 1666b ( a ), a crediter may not payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

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

I reached out on numerous occasions to have items deleted from my account that are not mines and things I have no knowledge of. This Collection agency has now created distress in my life and I have been declined a rental home and a credit line increase because of this debt that I have never entered into a contract with! I have reached out to all three credit bureaus who have added this third party debt collection to my credit report hindering my ability to provide the best situation and outcomes for myself and my children. I have sent numerous of mailed letters, disputes online, Ive had to freeze my accounts due to several breaches that have exposed my personal information. The term " unauthorized debt purchase '' to describe the action of XXXX XXXX XXXX XXXX  buying a debt that you do not owe, which is illegal. These 3 credit bureaus have again failed to do their job, I can not rent a house because of this debt collection agency that I have no dealings with was allowed to ruin my life and the credit bureaus have allowed this to happen. I need this deleted off my credit reports immediately so that I can rent a home for my kids and myself. I did not do any business dealings with this collection agency. I was told I can send this agency a letter requesting validation, original contract with my signature on it with this collection agency, a letter for them to cease and desist, copy of payment history and proof of collection authorization, I mailed these XX/XX/XXXX, and this collection agency failed to provide all the documents that I had requested, and since they are still reporting this debt after receiving my cease and desist and not providing me with the documents that I have requested they are in violation and that alone is grounds for deletion from all 3 reporting agencies. I also mailed all three credit bureaus as well XXXX XXXX, Ive been disputed this collection since XX/XX/XXXX, and I sent numerous requests for removal and documents monthly now. The debt collection is seeking payment of {$2600.00} I need this deleted immediately because they are in violation. I have also disputed a charge-off that is on my account and have requested a 1099C back in XX/XX/XXXX and XXXX of XXXX and I have yet to receive that and that is also a violation and I want this items Ive disputed and asked to be removed since noticing them reporting on my credit report last year and I started to take actions, via online portals, phone calls, mailing letters. Im fed up now especially since its hindering my ability to rental a home and credit card increases.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1982 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention several serious violations of consumer protection laws that have significantly impacted my financial well-being and overall quality of life. I am seeking your assistance and intervention to ensure that these violations are rectified and to request the removal of unverified accounts from my credit report. 

I have recently become aware of numerous inaccuracies and violations that have appeared on my credit report, jeopardizing my financial stability and personal security. The violations I wish to address are as follows : 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 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 XXXXXXXX The implications of these violations are far-reaching and have caused me undue emotional distress and hardship. To illustrate the impact, I would like to share a personal story : For the past year, I have been diligently working to secure a mortgage for my first home. The dream of homeownership, something I've aspired to since childhood, finally felt within reach. However, the inaccuracies on my credit report have led to higher interest rates, stricter loan terms, and even the denial of mortgage applications. This heart-wrenching setback has not only shattered my dreams of providing a stable home for my family but has also put an immense strain on my mental and emotional well-being. 

Given the severity of these violations and their profound effects on my life, I kindly request your immediate intervention to enforce the relevant consumer protection laws. Specifically, I ask that you ensure the following actions are taken : Conduct a thorough investigation into each violation to verify their accuracy and remedy the inaccuracies.

In accordance with the FCRA, remove any unverified accounts from my credit report, including the accounts listed above.

I am deeply grateful for your attention to this matter and your commitment to upholding consumer rights. Your intervention is my last hope in rectifying these issues and rebuilding my financial stability. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On my consumer report ( XXXX ), I discovered an account that wasn't mine. It was a Capital One account that was at issue. I reported the fraud to XXXX, provided all the necessary evidence to support my claim, and they conducted a dispute. When the dispute was resolved, it was verified that I owned the account. I don't have a Capital One account for that much, so I know this can't be true. I don't own this account, so it needs to be deleted on my consumer report right now.
Product: Credit card

I looked at my credit report and there were 7 reports on there that I did not do. There were 7 open credit cards that I never opened.
Product: Money transfer, virtual currency, or money service

FORMALLY REQUESTED ASSISTANCE TWICE. TO DATE, I HAVE NOT RECIEVED ANY ASSISTANCE WHATSOEVER. 

- I joined XXXX on XX/XX/2023 and immediately deposited XXXX USD. 
- A few days later I received an email from customer support stating that they would be closing my account for an undisclosed reason and that I would need to withdraw my funds. 
- My funds were withdrawn on XX/XX/XXXX. Shortly thereafter I received a conformation email from XXXX. XXXX 's website states that it takes XXXX days for funds to be transferred to my bank. 
- The funds have not appeared in my bank account. I've contacted the bank multiple times and verified that they have no records. 
- My account has been suspended and therefore I am unable to file complaint. 

I HAVE SUBMITTED MULTIPLE EMAILS TO XXXX WITH XXXX RESPONSE. CHAT REQUESTS ARE UNANSWERED. WHEN I ATTEMPT TO CALL, AFTER WAITING FOR HOURS, MY CALLS ARE DROPPED.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. Giving someone access and opportunity for identity theft. Per the FRCA 606b 15 USC 1681c2 the following accounts need to be blocked and deleted. This is fraudulent, inaccurate and false information listed on my Transunion profile consist of the following accounts. 
XXXX {$650.00} ; XXXX XXXX {$5500.00} ; XXXX XXXX {$1400.00} XXXX XXXX {$780.00} As well as inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize the aforementioned accounts, collections or inquiries and were not opened by me. These are a result of identity theft from a data breach.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifax for failing to block certain information from my credit report that is inaccurate or fraudulent. Despite submitting a formal request and providing all required documentation to support my claim, including police reports, fraud alerts, and identity theft reports, Equifax has not taken appropriate action to block the disputed information. 

I have contacted Equifax multiple times regarding this issue and have yet to receive confirmation that the information has been blocked. This delay in addressing my dispute is damaging my credit and negatively affecting my financial well-being.
Product: Credit card or prepaid card

I have opened my XXXX XXXX credit from American Express in XX/XX/XXXX because of the following promotion. 

XXXX XXXX Honors bonus points after spending {$3000.00} or more on the Card within the first three months of Card Membership A free weekend night award after your first anniversary of Card Membership I have already spent more than {$3000.00} within first 3 months, but still I have not received the promotional points. 

On XX/XX/XXXX, I asked this issue via online chatting, then the representative told me that I will get it next day. 
On XX/XX/XXXX, I contacted again, then the representative did not explain why they failed to make it as they said on XX/XX/XXXX, and he/she said that they are going to file an investigation. Then, suddenly chat was dropped. 
On XX/XX/XXXX, I contacted them again. The representative was asking me wait " some more days '' Then, suddenly chat was dropped, again. 

But I am 1000 % sure that I gave them more than enough time to make it right. 
Stop lying to customer. 
Stop saying " wait some more days '' without giving the detail reason why it is delayed. 

As they charge the annual fee on the exact day, they should provide what you promised on the right time.
Product: Checking or savings account

They XXXX to close my bank account no reason just because had some fraud on my account an somebody deposited a check into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XXXX XXXX 2021, XXXX from Moto refi, a vehicle refinance company, run my credit and my girlfriends credit without our authorizations. 
And after being being kind of forced to use them because they run our credit, he now refuses to answer any of my text. So our credit have been ran for no reasons.
Product: Debt collection

Thought this issue was resolved via XXXX w/ Resurgent and XXXX with XXXX XXXX. Confirmation that the debt Resurgent was trying to collect on a Credit XXXX account belongs to another individual who shares my name but lives in XXXX, NJ. Told multiple times that I would stop receiving letters from Resurgent. THEY HAVE NEVER STOPPED. I get multiple letters a month I most recently called Resurgent her : XX/XX/XXXX XXXX XXXX OUT ( XXXX ) XXXX XXXX # - XXXX - Agent assured me they were aware that they knew I should not be receiving any further notifications and that I would not receive anymore. 

As of XX/XX/year>, I continue to receive these. 

For two years I have been getting mail from them and for two years I have been telling the it's not me and when they ask for my identifying info like XXXX or birthday, they confirm i am not the correct individual
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX XXXX have been reporting Late payments on a credit card XXXX  on my credit report. 
I summited several disputes to credit agencies to investigate and also verify if the account number on file has late payments. 
They verify as accurate which is a violation since I contacted the a creditor and they provided me with a letter that show no late payments. I have summited the letter to credit bureaus and still they claim the late payments are verified.
Product: Credit reporting

I have disputed with the original vehicle loan, XXXX XXXX XXXX, and with the consumer credit reporting agency, Trans Union. I finally had to file complaint against XXXX and their reply was that they were sorry and will correct the data on mine an my husbands credit reports for all three bureaus. They changed it, but not to correct data. Trans Union needs to stop incorrectly reporting our data on the credit reports for the XXXX account and just remove it.
Product: Money transfer, virtual currency, or money service

Coinbase won't let me withdraw my fund for no reason I have been a Coinbase customer since XXXX. I deposited funds into Coinbase from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I received an email stating that my funds would be held for 30 business days to protect me from fraud. Subsequently, I received an email requesting identity verification. I completed all the necessary steps Coinbase asked for until I received an email on XX/XX/XXXX stating that my funds are available for withdrawal. However, my account was then restricted, preventing me from withdrawing my cryptocurrencies. I am also unable to withdraw to my bank account or XXXX, and I can not add my bank account in the additional payment methods section. Currently, I can only trade on Coinbase and can not withdraw funds in any form. it has been 2 months since I deposited funds into Coinbase And every time I contact them, they say that my account is under review, and please wait until the the review is done. 
I have contacted the support department four times, answered the requested questions, and finally received a notification to continue waiting. My Coinbase support cases were : # XXXX, # XXXX, # XXXX, # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX {$470.00} XXXX {$11000.00} Reported balance XXXX Last reported XX/XX/XXXX {$7800.00} Reported balance
Product: Debt collection

I contacted this company numerous times to try and understand the debt of XXXX. I was never given any explanation. Due to Covid-19 everything is becoming harder and harder. When I tried talking to them, they were not very helpful and I still can not remember this debt. I am experience extreme hardship, this whole situation is making me nervous, I have been having medical issues and not being able to know and/o understand this debt is not helping me.
Product: Checking or savings account

I mobile deposited a check to my business account with Bank of America from someone I was doing business with ( XXXX XXXX XXXX ) on XX/XX/XXXX per our contract and agreement. Suddenly, on XX/XX/XXXX Bank of America withdrew those funds from this check/account and said it was a duplicate. I called Bank of America XXXX times to ask how it was a duplicate when I only had one deposit of this check showing on my ledger. I was given various answers but the funds were never credited back to my account. Finally, a representative of Bank of America told me that XXXX XXXX stole this expired check from me and deposited this check into his account, and thats why Bank of America mistakenly withdrew these funds from my account. However, they refuse to correct this mistake and tell me, ironically, that they cant just withdraw the funds from his account. I have reported XXXX XXXX to the authorities, but Bank of America refuses to correct their mistake of depositing an expired check into the wrong persons account. To add to this entire situation, the check has clearly written on it, the originators business name XXXX XXXX XXXX XXXX ) and my business name, XXXX XXXX XXXX XXXX ) & the funds, again, were deposited into my business account on XX/XX/XXXX. I have the images of the stolen check from Bank of America and I have a police report number as well. Below, I just wanted to list some of the false information I was provided by various BOA representatives. 

1. Im putting in a dispute and this should be fixed. ( This never happened ) 2. We dont know why there is a duplicate showing. ( When they knew all along and refused to tell me. ) 3. The funds were sent back to the originators account when their bank requested and we dont require any verification to do that. ( I have a bank statement from the owner of XXXX XXXX XXXX XXXX XXXX. & he never received those funds back into his account. They are still currently in XXXX account. Who is a thief or an associate of the thief. ) 4. We cant just take the funds out of this persons account ( when clearly they can because they removed them from my account )
Product: Debt collection

I was reviewing my credit report and noticed that i have several collection accounts that weren't mine. I also noticed hard inquiries that weren't mine as well
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I was unable to open an account because of information provided to an institution by ChexSystems. When I requested online from ChexSystems a free copy of my report I requested the report to be provided to me online. However, after processing my request and taking all of my information ChexSystems informed me online that it " was unable at present to provide my report online and would be mailing me a report instead. '' I SPECIFICALLY DID NOT REQUEST a mailed report and, furthermore, can not at present be available in a timely manner to receive the report by mail, thus also creating security concerns for me as a report with much personal information is being mailed to an address DIRECTLY CONTRARY TO MY REQUEST FOR METHOD OF DELIVERY.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TRANSUNION 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  Balance Owed : {$37000.00}
Product: Credit card or prepaid card

When I received a bill from Capital One I have noticed that the amount charged for the stay in XXXX did not match the reservation that was made on XXXX. 
Furthermore the charge was in US $ and not XXXX as originally made and charged. 
The merchant did not give me any receipt upon check in or check out stating only that the booking is " taken care of. '' I disputed the amount with Capital One on the phone and subsequently sent them the claim form with supporting evidence by fax on XX/XX/2019 along with mail. 

Today I received a letter dated XX/XX/2019 that the Capital One close the dispute alleging that nothing was received from me. 
This is the second time that the Capital One closes the dispute alleging that nothing was received as it is violating its own terms and conditions provided to me when the card was obtained. 
Also Capital One refused to provide an electronic way to dispute the purchase and provide the necessary evidence leading me to the conclusion that the bank 's way of handling disputes is specifically designed to deny them while blaming non receipt.
Product: Student loan

Mohela incorrectly sent me a letter stating that one of my prior government employers did not list their contact information. 
I have tried multiple times to get someone from Mohela on the phone but can never get through. 
I'm attaching my PSLF forms again to the CFPB complaint, and I want Mohela to correctly process my information and forgive my student loans.