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

I previously requested that the disputed account ( s ) be marked as 'Account Disputed ' in my consumer files, as mandated by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ]. However, the purported consumer credit reporting agency has failed to conduct a proper investigation into the ongoing and persistent issues. I was not notified of the investigation status or results, and the agencys failure to address the core nature of my complaint remains unresolved. Additionally, the reported information contains nonexistent and bogus entities that do not reflect a valid legal entity as recognized under applicable laws governing articles of incorporation, certificates of formation, or charters. I demand the immediate expungement of these illegitimate entities and a correction of my consumer file to ensure compliance with federal regulations. Supporting documents outlining these unlawful billing, credit reporting, and debt collection practices, which have persisted since XX/XX/XXXX, are attached. 

See my attached Memorandum for the Record ( CONSENT TO DISCLOSURE ), Subject : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Defense Finance and Accounting Service Regarding Improper Debt Collection, Billing Discrepancies, Credit Reporting Errors, and Unauthorized Pay Deductions Related to Alleged Credit Card Receivables ( Account No. XXXX ), dated XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion, XXXX, and XXXX regarding the inaccurate information on my reports and the tell me the accounts have been verified without providing any information as to how it was verified. 

I have explained to all three credit reporting agencies that this is a violation of the Family Educational Privacy Act of 1974 in which they would not share my information with any third party affiliates. That is also a violation of the Privacy Act of 1974, 15 USC 1681s-3 It is also Illegal to report transaction history
Product: Debt collection

I have disputed this debt with XXXX and XXXX.XXXX did remove the debt but now it is showing back on my report. I have asked this company to provide me with proof that this is my loan. I had a account years ago with XXXX that had to be closed because someone I trusted were getting loans in my name.XXXX only provides me with bills. No copies of my id, no documents that I signed nothing I want this removed off of m credit report. I am prepared to get a attorney to help me with this.
Product: Debt collection

Spoke with original debt and debt has a XXXX balance. Capital Collections LLC, continues to increase the monthly amount which they're not allowed to do per Florida Finance Code.  In addition, they have yet to ever very debt. Orignal debt no longer does business with Capital Collections as to what i was advised by their office today.
Product: Debt collection

Im writing to try and clear this up this company has been confusing me for my son there is a XXXX and a XXXX. Which they have been getting wrong i dont know this company nor any of there affiliates i have never signed any contract with them nor any of there affiliates
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian regarding their failure to conduct proper investigations and remove inaccurate information from my credit report, despite multiple disputes and evidence submitted on my part. 

I have made several attempts to correct inaccuracies on my credit report through Experian, following the procedures outlined by the Fair Credit Reporting Act ( FCRA ). Despite providing detailed documentation and requesting verification, Experian has repeatedly failed to conduct a thorough investigation and continues to report incorrect information. 

The inaccuracies in question are significantly impacting my creditworthiness, and I believe Experian is not fulfilling their legal obligation to ensure the accuracy of consumer credit reports. I request that your office investigate Experians handling of my disputes and enforce the necessary actions to correct these errors.

I am seeking the following resolutions : A comprehensive review and re-investigation of the disputed items on my credit report.

Immediate correction or removal of any information that can not be verified as accurate.

Assurance that Experian will adhere to their obligations under the FCRA in handling future disputes.

I appreciate your attention to this matter and look forward to a resolution.
Product: Prepaid card

I PURCHASED A VANIILA GIFT CARD FROM XXXX ON XXXX XXXX  I FILED A CLAIM FOR unauthorized transactions on the gift card, after noticing the funds were used upon checking the balance on my gift card. on XXXX XXXX XXXX the company sent me a letter stating after their investigation they verified my card was present during the time of the purchase. I then called incomm payments.vanillagift.com on XX/XX/year> and asked them to email me or mail me the investigation summary and what they used to determine my card was present because my card was not present at the time of this purchase.I also explained to the rep that I am out of XXXX dollars based on this unauthorized transaction. The rep stated he had no papers to mail me and to refer to the letter sent to my email. I asked to rep to reopen my case and ask for a reconsideration since I have no way of recovering my funds that were stolen from me, he stated he could not reopen the case and this was their final decision.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting the first delinquency date on my old credit card as XX/XX/XXXX. 

The actual first date of delinquency is XX/XX/XXXX. 

They keep changing the delinquency date, keeping this old account active on all three credit reporting agencies. 

I feel that XXXX XXXX  is doing this to millions of Americans, and at the same time sending them letters demanding payment, well past the legal limit of the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days To following information on my credit report is the result of identity theft and should be blocked : accounts number ; XXXX BALANCE XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

From XXXX XXXX XX/XX/XXXX i sent XXXX via Wells Fargo payments to a person who claimed to be looking for a roommate. I sent money to them under the impression i would be living there aswell. As soon as they recieved the full amount of money they didn't not give me a key to the place and refused me entering the property. There were multiple people involved in this scam. They also refused to give any of the funds back. I sent a total of XXXX to this person. Another company who has also been made aware of the issue is XXXX XXXX XXXX XXXX since they added my name to a rental agreement as an occupant even though i didn't not live there nor signed any official documents. They just accepted the payment. 


XXXX XXXX XXXX XXXX only agreed to removing my name.from the rental agreement Wells Fargo has offered to investigate these transactions and filed a claim
Product: Debt collection

I have been disputing these accounts for a while. They do not belong to me. Please remove them and all negative remarks that came with them. I am a single mother who has had issues obtaining credit because of these negative remarks. I have attached my identity theft report. If you need any extra info please send me a fax number I can use it to correspond with you.
Product: Credit card

a credit card was open in my name an was used for XXXX dollars without my consent an has put a negative account on my file also a XXXX account for XXXX was open too again without my consent or knowledge an 3 incorrect addresses reported with 6 hard inquiry 's all without my knowledge an fraudulent i called multiple times each company an also put Mutiple disputes in this is affecting my credit negatively so I would like these removed immediately DUE TO THE FCRA RULES. PLEASE AN THANK YOU.
Product: Vehicle loan or lease

XXXX XXXX XXXX  repo my car from the shop I was getting repairs. He stated I abandoned my car and they repossessed it and I had to give up almost XXXX  for fees and he charged me storage fees!
Product: Money transfer, virtual currency, or money service

Hello. In XX/XX/XXXX I signed up for coinbase.com and everything was fine until XXXX of this year ( XXXX ) when they asked me to verify my identity again, which I do and from then on the account under review appears to me and they tell me : " Your account is currently being reviewed and we need some time to verify your information. During this review, you will not be able to use Coinbase. Reviews usually take a few days. Please log in every day or every other day to check your status. " Last week I accessed the app again and in it they ask me again to verify my identity by taking a photo through the mobile device. I've done it repeatedly and it always ends up telling me that the verification failed, that the photo was too blurry, which is not true. It asks me to repeat the process again, I do it and it keeps failing. 

I wrote to the company several times and they always respond by saying : " Thank you for following up with us. 

Our team has received a high number of account review requests. However, we've asked them to expedite their review of your account, and will get to your inquiry as soon as possible. 

We appreciate your patience and understanding. 

Regards, Coinbase Support " The number of this latest incident that I created is : Case # XXXX - Pending verification. 

I have XXXX  ETH blocked since then and I wish I could get it back. 

Thanks for your attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : NAVY FCU Account # : XXXX I was never late 30 days in the month of XXXX 2017. I  have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

My accounts were hacked on XXXX  XXXX and XXXX  XXXX took me to court for non payment i sent them proof showing it was identity theft and it was charged by an unauthorized individual. They finally agreed and retracted their judgement however they only retracted on one account and not the other. The other account was sent to collections and they have been harassing me ever since for something i wasnt liable for. I will attach documents
Product: Bank account or service

XXXX/XXXX/2015To : Whom it may concernFrom : Wells Fargo CustomerPlease be advised that if you deposit a check into your Wells Fargo Account, they ( Wells Fargo ), has the authority to place a HOLD. A hold is just what it means, hold, in short it will not be available to you to spend, they can hold it for a day, week, and longer. 
Do n't worry if it 's a {$20.00} check it will most likely run its course and will be ready for your use within a day, or sometimes that same day. 
Summary ; I made a deposit on the XXXX of XXXX, Wells Fargo placed a hold on the check until the XXXX of XXXX, not a big deal but it is a little more than {$3000.00}, I need this money to pay bills such as health insurance, utilities and so on. Mind you that Wells Fargo cashed the check and have withdrawn the amount from the bank from which it was wrote. The individual that wrote the check I had called her and asked if she had put a hold on the check and she said no, looked it up on her account and Wells had taken the money from her account on the XXXX of XXXX, 2015. 
Although Wells Fargo is legal in what they are doing but think holding a check for weeks is not right, they are using my money while I sit here and ca n't do a darn thing about it but wait. My insurance will be cancelled, power will be shut off, do n't have money for groceries, pay credit card and so on, this is unreal, banks although legal, and they are greedy and not very responsive to customer needs. 
In short you are at their mercy until they decide the time is right, one would have to assume they must be cooking their books if they need to place holds on checks so they can use the money for their own issues. 
I can only recommend you do n't deposit large checks into any Wells Fargo checking, and or savings account. You may not have access to this money until such time they ( Wells Fargo ) can reconcile their books. 
Last note my account is in excellent standing, and have never had a bad check deposit! 
Very Sadly, Well Fargo Customer
Product: Debt collection

I got a XXXX card in XXXX of 2017. I always pay my card with online banking. My money always went into the correct account until XXXX of this year, when the money went into a canceled account my ex-husband had. I contacted XXXX XXXX  and told them what happen, in XXXX when I fiqured out what happened. They said to contact my bank and have them fax prove that I paid the money so I did. Phone calls were almost daily. I told them that I had had the bank send prove I paid the money and they said it was going to take up to 30 days to get the trtansfer made. Still I got phone calls, ones that were not very nice, and the letters kept coming. Then in late XXXX I get a letter saying I was turned into a collection and my credit score was lowered from XXXX to XXXX. All the while XXXX   XXXX is doing everything they can do to get me to pay it again. Last week when they called me again, they said they needed prove from my bank to be faxed to them. I said I had already done that once but would do it again. Today I called XXXX to see if my money was I there and they said it would be another 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received an email from CACH , LLC on XX/XX/2021 that stated as follows : Dear XXXX XXXX, The above referenced account has been placed in our office for collection. In order to assist you in resolving this debt, we can offer the following options : You may resolve your account for {$2600.00}. To accept, make your payment by XX/XX/2021. 

I made a payment on XX/XX/2021 in the amount of {$2600.00} to XXXX XXXX XXXX who was operating on behalf of CACH , LLC. I was told that this matter was closed and would be removed from my credit report within 30 days. After 30 days it was still on my report. 

I contacted XXXX XXXX XXXX  on XX/XX/2021 to complain that I had not received a receipt for my transaction and this matter was still on my credit report. They in turn assured me that this would come off soon and sent me a letter stating that my debt has been settled in full and my balance owed to CACH , LLC was {$0.00}. 

Today, XX/XX/2021, I received an email from another collection agency requesting a payment of {$5700.00} and offering a settlement option on behalf of CACH , LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 
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 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Debt collection

Portfolio Recovery is reporting a balance of {$430.00} on my credit report. I sent them a letter asking for the signed credit application from the original creditor. Instead they sent me a copy of letter from the credit card company that says they sold the account to them. And that letter has an address from XXXX XXXX XXXX that is not my address and I never lived there. 

That's it. No contract, no signed credit application and an address I never lived at.
Product: Checking or savings account

I was overcharged for overdraft fees in the amount of {$300.00} with no explanation
Product: Mortgage

My home mortgage with XXXX was transferred on XXXX. I received the new mortgage billing statement from Ditect Financial LLC after senting XXXX payment to XXXX within the grace period. Subsequently, I got Ditech statement with a {$77.00} late fee instead of usual {$19.00} fee. My wife tried to get the increase clarified, but was only told we owed {$630.00}. Please help us get the matter resolved. Can the new mortgage company charge almost {$100.00} in total fees?
Product: Credit card

I bought a guitar from a website called XXXX XXXX on XX/XX/2024 for XXXX on my Apple Card. It took about XXXX XXXX weeks to arrive to my house and when it got here, I noticed a few problems that I had with it that may have to be fixed. The input jack that you plug the cable into was very tight and thats an issue because after a while it could strip out the electronics inside of it, and there was no way for me to try bend the prongs back and pickups would either just go in and out or just not work. So I contacted the seller and told him about the issues I was having and he did not once acknowledge the actual issue I was having, but just continue to dodge my questions and my concerns. He was just telling me that this was not the real actual guitar that you would buy, and I knew that going into it, but I was not expecting to get a guitar that was defective and needed a set up and repair before I could even actually play it. But again, he just dodged all my questions when I asked for either a return or a partial refund
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : It also states a 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 reports by more than seven 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: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report, I've called multiple times and submitted multiple disputes via certified mail. I'm tired of calling them so this is my final attempt before i decide to take them to litigation. 
please have them remove the inquiries listed in the FTC report here they are listed again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX