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

CKS PrimeXXXX XXXX XXXX XXXX continues to list the following account as a " XXXX '' on my credit reporting causing continuous injury. 

This account was opened fraudulently, and the original creditor, XXXX has accepted this identity theft claim and are requesting that the credit bureaus remove this account. See attached letter from the original creditor. 

The " XXXX  '' is trying to collect on a debt that the original creditor has deemed as opened fraudulently. Wouldn't the original creditor have the best information? 

This is not legal!
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed ite
ms within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Student loan

XXXX XXXX has Ignored my concerts and wont tell her manager or the CEO to contact me back. She continues to be rude and disregard my health.
Product: Money transfer, virtual currency, or money service

Im having this problem with Coinbase. On XX/XX/XXXX XXXX I sent XXXX xrp coins to my coinbase wallet, and had also purchased {$100.00} in bitcoin through coinbase on XX/XX/XXXX, Coinbase would not let me withdraw my xrp to my secured wallet, I read online that it was a problem with the mobile app and to try on a computer browser. To log onto my coinbase account on my computer I had to do 2 factor-authenticator, this required me to click on an email they sent to the email on file which I no longer have access to. So I clicked I no longer have access to this email, which allowed me to change it by uploading my ID to confirm my identity. I was told I would receive an email when my ID was confirmed and that my email has been changed. I got an email saying that they couldnt confirm my identity and to try again, but the next time I opened my app I had to re-log in, but when I went to enter my credentials I noticed I could only sign in with the emaiI had requested to change to even though I was notified that they couldnt confirm my identity. And when I logged in my total account balance was {$5.00}. No bitcoin and no xrp was in my portfolio, and no transactions from the last two years are showing. I know its the same account because all my info is the same and I have the same wallet addresses. I contacted coinbase support and received no response, submitting a ticket and all and received nothing in return. I will attached transaction ID and blockchain ID
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER 15 USC 1681i ( 7 ) Method of verification this account is in viloation it was reported without valid evidence Under 15 US CODE 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation any credit transactions supposed to be excluded from a consumer credit report if a social security card was used in transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit and denial letter said that XXXX was the credit reporting agecy used, so I contacted them to get a copy of my credit report. I called them several times on XX/XX/18 at phone number : XXXX and got a recorded message that said all lines were busy. I eventually reached a recorded line and left a message. I received a return phone call from them on XX/XX/18 at approximately XXXX XXXX. The person calling identified himself as XXXX and said he was the only person that worked there, however it sounded like other callers were in the background. XXXX said he could give me information about my credit report over the phone if I could verify who I was. He proceeded to ask me a series of questions and then asked me to verify another person 's date of birth. I told him that I could not verify another person 's personal and private information and that it was not only illegal for me to give him that information, but it was also unethical for him to ask me to give him that information. XXXX replied that it was OK to provide the other person 's date of birth because the questions were computer generated and the person and I previously shared the same address. I told XXXX that I would only answer questions about me and that I didn't know the other person 's birth date. When I refused to give him the other person 's information, he said he could no longer give me any information over the phone and that he would send me a form in the mail to fill out. I did receive the form 2 weeks later. Asking me to divulge another parties personal information is not OK. I work with sensitive data every day and I would be fired, fined, or both if I ever gave out anyone 's personal information.
Product: Credit reporting or other personal consumer reports

I bought a XXXX XXXX  in XXXX, brand new with a 20 year XXXX mile warranty. Car had catylic converter replaced twice. Knocking sound started in engine around late XXXX, XX/XX/XXXX. Tool car to dealership in XXXX Ga. I was told it had a recall in the engine. I was asked to fax my maintenance records. I did so. They refused to go or warranty, leaving me to drive the vehicle till engine stopped. The vin # XXXX My vehicle was included in a class action lawsuit for the engines in these vehicles. 

https : XXXX XXXX XXXX  actually owes me money, yet they place negative information to XXXX, XXXX & Equifax as a bad debt, collection, charge off with a almost {$8000.00} balance. I the consumer was frauded by XXXX XXXX and I'd like for this to be removed from my credit reports. I have screenshots of mail I was sent by XXXX XXXX involving my vehicle in this class action lawsuit. Please investigate. Veteran of the armed forces. 

XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Reference Report Number : XXXX Report Date : XX/XX/XXXX Dear Experian : On XX/XX/XXXX, I sent a request/ letter of demand to have this account removed on the legal grounds that it is false and inaccurate, and yet it remains on my report. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX LISTED AS TRANSFERRED {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX DATE OPEN XX/XX/XXXX BALANCE {$0.00} STATUS : Open I never had a mortgage with this lender or its subsidiaries XXXX XXXX ACCT # XXXX DATE OPEN XX/XX/XXXX CLOSED CHARGED OFF PAID {$0.00} XXXX. XXXX XXXX ACCT # XXXX OPEN DATE XX/XX/XXXX BALANCE {$3900.00} updated XX/XX/XXXX Collection/Charge off Derogatory XXXX. XXXX XXXX XXXX XXXX ACCT # XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, ACCT # XXXX Date opened XX/XX/XXXX XXXX. XXXX, Account number XXXX, Date Opened XX/XX/XXXX This account has over 8 consecutive 60-day late reporting, how can I be 60 days late every month FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 
As per my legal right, either permanently delete this account or provide me with ( 1 ) the description of the procedure you used, ( 2 ) the name and address of the business that verified this information, and ( 3 ) the telephone number you used to verify this information. 
I dont believe you can provide the above verification, because the information itself is FALSE and the furnisher would not verify false information! 
I expect to receive a prompt response confirming the deletion of this inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report all 3 credit reporting agencies of which are Experian, XXXX, and XXXX, for violating my rights as a consumer under the law 15 U.S. Code 1681- Congressional findings and statement of purpose. I disputed that the accounts XXXX, XXXX, XXXX, XXXX, were all inaccurate and I wish for that information to be verified via XXXX a credit builder app I paid for to dispute these accounts. The agencies I named above verified the information as correct and denied me my right to remove them from my account. The information they verified included dates that are inaccurate, or reported multiple different dates among all 3 agencies. Also another account says they received a 1099c and still have a balance owed for me to pay which violates the law and is tax fraud. And another instance is huge discrepancies between the 3 credit bureaus, they all have differences on the same account so I believe I am owed compensation as these account made it impossible for me to get a Credit extended to me for an emergency expense. In result I am in danger of losing my home because I missed payments on my mortgage. I would like them to remove the accounts, and pay me the restitution I deserve which is XXXX for each report being reported inaccurately and the balance of my mortgage thats past due now since they would not extend me credit based upon the inaccurate information they had reported.
Product: Debt collection

I am a victim of XXXX breach. I wrote letters to all three credit bureaus with a copy of the XXXX breach verification. As a result, these companies XXXX XXXX. XXXX Credence Management llc, posted on XXXX credit bureaus they " verified '' my accounts. I disputed on each bureau. 
I asked for a purchase agreement with their company to show full ownership of these accounts. I have not been presented with a Purchase Agreement but these companies continue to place this purchase agreement with their companies on my credit reports. Please have them remove these collections from my credit reports. as this has been a major distraction and set back that my information has been compromised,
Product: Credit reporting or other personal consumer reports

Bank Of America XX/XX/XXXX Bank Of America XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Banking XX/XX/XXXX These inquiries are on my credit report, and I didn't give authorization.
Product: Credit reporting or other personal consumer reports

According to the FCRA the are in violation of 15USC1692g and 15USC1681e
Product: Debt collection

I am disputing a debt and I.Q. Data International- the company name I found on my credit report will not take my dispute seriously. They were assigned the account on XX/XX/XXXX  and first reported it to the bureaus in early XX/XX/, without me included at all in the process. They continue to update the account with a new " Date Reported '' each month with additional fees tacked on. 

I have a very large file of documentation, and they have not reached out to tell me how to get it to them electronically. Instead of looking at what I have, they have reported me to the credit reporting agencies and keep adding the charge in interest. I have attached the second payment I gave to XXXX for XX/XX/XXXX  payment. They would not take the first one as it was a few cents off of the total owed. My cashiers check was photocopied, accepted, and signed by XXXX, office staff at XXXX XXXX in XXXX, IL. There, a series of events on their part took place that need to be reviewed because they are extremely confusing. There is no indication in any document that I owed them more money, other than the double-billing for XX/XX/.
Product: Debt collection

Two accounts on my report were determined invalid previously in the amount of {$310.00} and {$310.00}. They have been reinserted illegally without written or any form of notice.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent communication I received from your company regarding the collection of a debt. I would like to bring to your attention that I have not entered into any contractual agreement with your company, nor have I authorized the transfer of my debt from the original creditor. 

It has come to my attention that you have purchased the debt from XXXX XXXX XXXX. While I acknowledge that there may be an outstanding debt, I must emphasize that your company does not have any legal right to collect this debt from me. 

I kindly request that you provide me with proper documentation proving your legal authority to collect this debt. This includes a signed agreement or contract between your XXXX  and XXXX, clearly indicating my consent to transfer the debt to your organization. If you fail to provide such documentation, I must insist that you cease all collection activities and remove any negative remarks or listings related to this debt from my credit report. 

Please consider this letter as my formal dispute of the debt and a request for verification of its validity. I also request that you provide me with a written response within XXXX XXXX of receiving this letter, confirming the actions you have taken to resolve this matter. Failure to respond within the given timeframe will be interpreted as an acknowledgment of the debt 's invalidity and will result in further actions to protect my rights. 

I would like to remind you that it is your legal obligation to adhere to the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable laws and regulations governing debt collection. Any violation of these laws will not be taken lightly, and I reserve the right to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you have any questions or require any additional information, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

in one instance I went to send bitcoin and a scammer had somehow intercepted the money and it went to another account besides the one I sent it to they asked to provide the handle and never did anything else about it. In another instance I was being over charged for transactions on my account they told me it was a business account I told it it was not and they never changed it I then realized it had not been whited and asked them to change it agin they changed it the second time after a difficult back and forth exchange and changed it to personal but refused to refund the money I had been being charged
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the fair credit reporting act ( FCRA ) TO CONDUCT a reasonable reinvestigation of disputed information. On my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, failing to adequately notify consumer of dispute outcomes.these failures align with my experience, where Experian has neither corrected nor removed disputed items dispute the evidence I provided, causing ongoing harm to mg credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial is in violation of 15 USC 1692c ( c ) 2, 15 USC 1681b XXXX is in violation 15 USC 1681b XXXX XXXX is in violation of 15 USC 1681b XXXX is in violation of 15 USC 1681b
Product: Credit card or prepaid card

My issue is different and wasn't listed as an option. I've been trying for days to register my MD unemployment card on the BOA website ( already have the app ) so that I can arrange bank transfers due to the limited withdraw amounts with BOA ATMS and the limit I can deposit in my personal account via ATM. I kept receiving errors about incorrect security info. I KNOW I was entering the correct last 4 of SSN and card info right in front of me.I finally had some success with getting the account registered ( online ) today, XX/XX/20. When I tried to add my bank account info to setup the transfer, it told me the account number was invalid.?? Not that it was, but how would BOA know about my other account? I thought maybe it determined it was another prepaid account by the routing number and that wasn't allowed. So, I tried another checking account from a major bank and the same thing. As this is happening, I noticed that in the app, it says the card is unavailable and to contact BOA for details, but still shows my balance. Calling the automated line says my card is closed and to press 0 to speak with someone and every single time, it says they're unable to answer my call and hangs up. So, in this very inconvenient time we're all living in and many of us are already relying on very limited income from UE benefits and BOA is making it quite impossible to do what should be, the easiest and most stress-free of tasks regarding accessing our money. On top of that, we can't speak to someone at BOA for assistance in resolving THEIR issue. I don't mind waiting on hold for a while due to the influx of call volume, but hanging up immediately on everyone without the option to wait, is just plain WRONG!
Product: Money transfer, virtual currency, or money service

Between XXXX XXXX I had a purchaser send {$500.00} through PayPal for a purchase. Once she did that PayPal said I didn't have a business account so she would have to send an addtional {$400.00} and then it would be refunded to her when the transaction was completed. She did that. I then got an email to go into my account and set up the {$400.00} refund. I tried for over one and a half hours and it would never go through. So they then told me I would have to get an XXXXXXXX XXXX  card for {$400.00} and send them the info on it then the funds would be released to both of us. My original {$500.00} and her overpayment of {$400.00}. So I made a special trip into town ( we live in the country ) and purchased the gift card and sent the requested info. Then they emailed me and said I needed to purchase an additional gift card for {$300.00} for Certification Fees. So I made another special trip into town for another gift card. Sent them the info on it. Then I get an email that : " We have gotten the certificate fee of {$300.00} you sent via XXXX XXXX  card but we are unable to separate the payments as they have been added to our database and all the funds are pending now and to be credited to your PayPal account, we can't proceed to release the funds with your initial pending payment of {$1600.00} USD. Once you make the payment of {$400.00} USD for VAT Charges by purchasing an XXXXXXXX XXXX  card worth {$400.00} your account will be credited. '' I returned an email requesting a refund to both the customer and myself as I did not have access to another {$400.00}. They refuse to refund and just keep telling me to purchase another {$400.00} XXXXXXXX XXXX  card and funds will be released. At this point it is now XXXX XXXX. 
All I want is my {$700.00} back that was paid in good faith and the customer to be refunded the {$900.00} she has paid. At his point PayPal as received {$1600.00} for a transaction that started out as {$500.00}. And will not refund any funds.
Product: Checking or savings account

On XX/XX/2024, my intuit Credit Karma spend account was frozen at XXXX. I called them bc my check was being deposited that day. After being passed around to multiple employees I was told that my account was under review and it would take XXXX to XXXX hours to be resolved with no explanation as to why. on XX/XX/2024. I called again to try to get a resolution. I was passed around to multiple employees again just to be told that my account would be closed and I would have to wait XXXX to XXXX business days to get a letter in the mail telling me why. I learned my account was closed at around XXXX on XXXX XXXXThey refused to help me transfer my money to any other account. They told me I would have to wait for them to issue a paper check and mail it to me in the mail. Prior to this entire incident, I had to make a dispute from XXXX of their ATMs that took money from my account, but did not give me money from the ATM. I was told by all of these employees that there was no way to speak to a supervisor, they had no contact to their boss, they had no access to information regarding why my account was being closed and refused to help give me answers on how to get my money so that I could pay my bills.
Product: Checking or savings account

XXXX I entered fifth third bank trying to close my account and I was told I couldnt close my account because I had a small business loan for {$12000.00} in my personal account instead of a business account so I told them I didnt want a relationship with them anymore and they could send the loan back so I was told by a financial rep. That I couldnt close my account.
Product: Debt collection

I received a letter from Dynamic Recovery Solutions stating that I owed them money for a bill and they gave me a choice of making payment arrangements. I checked my credit report annually and pay all of my bills, so I knew that I didn't owe anyone. I found the receipt of the bill that they claimed I owed in which was paid almost 4 years ago. I called and told the representative that I had already paid the bill and I had the receipt and wanted to know how did they get my information. We spoke for several minutes and she said that she would put in a depute for me. Called collection agency that I paid and they no longer handled account, she told me to give them the information on receipt. I called back to give them information on my receipt and they said that they could not take it. A couple of weeks later, I receive another letter stating that I have a balance and they had my personal information on it. So, I called them back again and the representative refused to speak with me because I would not give her my personal information in which I didn't have to before and she was very rude. I called back again and someone hung the phone up without even saying anything.