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

This is so annoying & frustrating. Ive sent to 3 Credit Bureaus multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In 3 Credit Bureaus ' responses make the claim that has not initiated any disputes on my behalf due to the fraudulent or high-risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it was deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that have been damaged. List of items that are UNKNOWN to me : XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I am writing to express my extreme frustration and concern regarding the presence of fraudulent accounts on my credit report under your bureau. It has come to my attention that despite being aware of the fraudulent nature of these accounts, they persist on your records, tarnishing my financial integrity and causing undue distress. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are not only inaccurate but also a blatant violation of my financial security. I find it both bewildering and infuriating that your bureau has not taken immediate and aggressive action to rectify this egregious error, especially when other credit bureaus have already acknowledged and removed these fraudulent entries. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand, without further delay, the immediate and aggressive deletion of these fraudulent accounts from my credit report. This is not a mere request ; it is a demand for the protection of my financial reputation and well-being. 

I am appalled by the lack of urgency displayed by your organization in addressing such a serious matter. The persistence of these fraudulent accounts reflects not only on your bureau 's incompetence but also on a blatant disregard for consumer rights and the potential long-term consequences for my financial standing. 

I have attached supporting documentation, including evidence of the fraudulent nature of these accounts, for your immediate review. I expect a thorough and swift investigation, leading to the removal of these fraudulent entries from my credit report. 

I demand a comprehensive written response within 15 business days outlining the actions your bureau will take to rectify this situation. Failure to comply with this demand will leave me with no choice but to escalate this matter through legal channels and file formal complaints with the appropriate regulatory bodies. 
The severity of this situation can not be overstated, and I trust that you will treat it with the urgency and seriousness it demands.
Product: Credit card

XX/XX/XXXX has sent out an announcement that they are changing out consumer 's current credit card with a new TRIO Rewards card ( same credit card number ). This credit card will come with a XXXX % to XXXX % interest rate. My current card that I have had since XX/XX/2004 is at XXXX %. Does this sound like something I would be interested in. Absolutely not. This is how I can keep the card that I have at the XXXX % interest rate. Close it! Pay on the past charges at XXXX % and open a new card XXXX same credit card number ) at the XXXX % to XXXX % interest rate. Does this sound acceptable? Not to me. If I can not keep my card with the XXXX % interest rate XX/XX/XXXX will be loosing my business. Evidently it is legal for them to do whatever they want when they want but to, after XXXX years with the same interest rate, adjust my rate because I did not do anything wrong is unacceptable. I am expediting my complaint thru XXXX at XXXX different complaint points and wanted to go thru cfpb to also insure that my voice is being heard. My attorney suggested that I go to this site and file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau and companies reporting. I have never received any information. it's been more than 30 days. These accounts are inaccurate and i have no knowledge or obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX Date XXXX : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$410.00} ; XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$150.00} ; XXXX  XXXX Balance Owed : {$380.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Recieved COVID-19 renters assistance from a property i rented out and the State of CA sent the money through the service XXXX, they quickly shut my bank account down after providing the required information and emptied my bank account.
Product: Payday loan, title loan, personal loan, or advance loan

Summary of the Issue Creditor : FinFit Account Type : Loan account Issue : FinFit has continued to deduct funds from my paycheck despite my loan being fully paid off on XX/XX/year>. These deductions were not authorized and violate the Electronic Fund Transfer Act ( EFTA ), which requires explicit authorization for electronic fund transfers.

Amount Deducted : Two unauthorized transactions of {$170.00} each, totaling {$340.00}.

Potential Wage Theft Violation : Since these deductions were taken directly from my account after my loan was paid in full, they may constitute a form of wage theft. These deductions were unauthorized and unjust, directly impacting my earnings and financial well-being.

________________________________________ 2. My Attempts to Resolve the Issue Initial Contact : On XX/XX/year>, I contacted FinFit and spoke with a representative named XXXX. I was informed that their system was down and that they could not assist me at that time. No timeframe for system restoration or resolution was provided. 
Follow-Up Attempts : I attempted to access my account online multiple times, but the system and app remained inaccessible. I also followed up with multiple phone calls ________________________________________ 3. Violations of the Law Under the Electronic Fund Transfer Act ( EFTA ) : 1. Creditors must obtain explicit written or electronic authorization for recurring transactions.

2. Creditors must cease deductions once the loan has been fully paid off.

By continuing to withdraw funds without authorization, FinFit has violated federal law. Additionally, since these deductions were taken directly from my account after my loan was settled, they could be classified as a form of wage theft. This has caused : Financial harm.

stress and disruption caused by FinFits lack of assistance. As the sole source of income in my household, this unauthorized deduction created significant financial strain and uncertainty. Being left in limbo without clear answers, not knowing how or when I would recover my money, has caused undue hardship and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX HAS BEEN REPORTING A ACCOUNT WITH XXXX XXXX AS A REPO WHICH IS INACCURATE. THIS WAS REPORTED ON XX/XX/2020 BUT NO ACTIONS HAS BEEN TAKEN TO REMOVE. 
ALSO A ACCOUNT WITH CREDIT COLLECTION SERV IS BEING REPORTED AGAINST ME AND THATS NOT MY ACCOUNT. THESES ARE VIOLATIONS OF THE FCRA AND I WILL BE SEEKING LITIGATION IF THE TWO ITEMS ARE NOT DELETED IMMEDIATELY. IVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMISSION IN REFERENCEC TO THE MATTER.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., against XXXX XXXX XXXX XXXX XXXX, TransUnion, XXXX, and XXXX XXXX XXXX XXXX XXXX. The subject of my complaint involves inaccurate, unverifiable, and misleading information reported on my credit report, causing me financial harm and emotional distress. Despite multiple disputes sent to the credit reporting agencies, the inaccuracies remain unresolved. 

Details of Complaint : Accounts in Dispute : XXXX XXXX XXXX XXXX inaccurately reported as Charge off. 

XXXX XXXX inaccurately reported as Charge off. 



Nature of Dispute : No evidence exists of my agreement or consent for these accounts. Verification requires the original negotiable instrument, as copies do not satisfy the Federal Rules of Evidence ( FRE ) Rule 1002, which mandates the production of the original document to prove its contents. 

Reporting based on incomplete or derivative records violates 15 U.S.C. 1681e ( b ), which requires reporting agencies to ensure maximum possible accuracy. 

The credit reporting agencies have not demonstrated their delegation of authority to report " charge-offs '' when they have not properly verified the underlying information as accurate and complete. 

Without the original certificated security or verifiable documentation, the reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i.

Furthermore, charge-offs are classified as income per the IRS. Income, by definition, can not be reported as a debt or delinquency on consumer credit reports, creating additional inaccuracies in reporting. 

Certificated Security Claim : As the Certificated Security Holder of my estate, I assert the following : Any reported debt against my credit file must be validated through the production of the original certificated security, promissory note, or equivalent legal documentation. 

Copies or derivative evidence are insufficient to meet the evidentiary standard under the Federal Rules of Evidence ( Rule 1002 ).

Without the original certificated security or verifiable documentation, the reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i. 

Attempts to Resolve : I sent dispute letters to the credit reporting agencies on XX/XX/year>. 

Each agency failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ). No corrective action was taken, and the inaccurate information remains on my report.

Harm Suffered : Financial harm, including credit denials and increased interest rates. 

Emotional distress and reputational damage due to the inaccurate information being disclosed to creditors. 

Defamation of character caused by the dissemination of false information.
Product: Money transfer, virtual currency, or money service

I have account with coinbase. I bought crypto currencies from this platform. For no reason coinbase have restricted my account. I am not able to manage my account. I have sent few complaints to coinbase and every time they created new case no, and are not resolving my problem. 
I feel very helpless as to what should i do.
Product: Checking or savings account

I completed a ATM transaction at the TD bank in XXXX XXXX XXXX XXXX XXXX of XXXX dollars and the ATM malfunctioned after the funds had been collected by the ATM but my account has not been accredited for this transaction and my recurring weekly payments cant be paid because of this issue.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX RE : Persistent Inaccurate Credit Reporting from AVA Finance Dear CFPB Representative : I am writing to file a complaint against AVA Finance regarding their continued inaccurate reporting on my credit report. Approximately six months ago, I was informed that an account with AVA Finance would be deleted from my credit report. However, this account continues to appear and negatively impact my credit score. 
Key details of my complaint : The account in question was supposed to be deleted approximately six months ago ( around XX/XX/XXXX ) Despite this agreement, the negative mark continues to appear on my credit report This ongoing inaccurate reporting is causing continued damage to my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for verification of late payments for the months listed on my credit report and nothing has been sent to me. It has been several months since I began the disputing process against XXXX and nothing has been sent to prove that I was late or near forbearance. My account has not been updated and they are also reporting incorrect information across all three bureaus such as Last Active Date and monthly payment amounts which have altered my SOL dates. I have not attended school since the end of the fiscal year of XXXX, yet my last active date shows that it was in XXXX ; re-aging my entire account.
Product: Credit reporting

Well, 4-5 years ago I had cable XXXX and always paid my bill on time but was very unsatisfied with the service. ( They did n't hook up the right amount of boxes for the amount of rooms then wanted to charge me {$100.00} to get another box that I was suppose to have gotten for free at initial hook-up, so I just let that go and stayed with the one box I got. I did have to pay to get switched to the channel line-up program that I was suppose to have had to begin with. : just a couple of examples of why I was unsatisfied ) So I decided to cancel my service, and just learned that they 're still XXXX 4-5 years later ) trying to collect {$380.00} just for cancelling my service early. I did n't even know that they 've sent it to a collection agency until now. There 's no way I can pay that because I raise my XXXX kids by myself and have to scrape just to pay regular bills and necessities! How can I get them to drop this debt? And I had service through XXXX in either XXXX or XXXX so I 'm wondering why they waited until XXXX to send the debt XXXX to try to collect it. (? )
Product: Mortgage

Our mortgage is financed by BSI Financial. Every month, my bank automatically issues a check on the XXXX of the month for our mortgage payment. The due date for this payment is the XXXX of the month. After the XXXX of XXXX, I received a late payment notice. I called them to say I had sent a check on the XXXX of the month, which they claimed they had not received. They charged me a late fee and advised me to pay online and put a stop payment on the check, which I did. A few days after I paid online they cashed the check I had sent, and charged me another fee for putting a stop payment on it. This has happened twice already and the company has not been helpful.
Product: Vehicle loan or lease

In XX/XX/XXXX I was in a not at fault accident. The vehicle I had financed through GM financial was crushed, and towed to a yard. I informed GM financial of this on XXXX. I was told at the time to keep them in the loop, as I was not at fault. It was determined that I was not at fault, and the responsible party was trying to evaluate the vehicle and damage. At this time it was discovered that GM Financial had taken possession of the vehicle. They were contacted by my legal team. It was asked why they did not inform me of their intent to take the vehicle. That could not be answered. We were informed it was selling at auction the next day. 
Because of this, my insurance had to pay the vehicle, with the intent of recouping the amount from at the fault party once a settlement is reached. 
Following this payment, I started my GAP insurance claim. I informed GM financial of this and spoke with them several times. I filed my GAP claim on XX/XX/XXXX. 
On XX/XX/XXXX I was informed by my GAP insurance that GM Financial cancelled my GAP insurance on XX/XX/XXXX. I contacted GM Financial and was advised that my vehicle was repossessed. Then I was told that it was impounded. I advised that I knew this because it was undrivable after the accident. I was then told by another representative that it was repossessed and they refuse to reinstate my GAP. When I asked why I did not receive anything notifying me that my vehicle was repossessed, I did not get an answer.
Product: Credit reporting or other personal consumer reports

I contact the consumers reporting agency notifying them that there was inaccurate information on my report. That a debt collector was reporting XXXX different account statuses to them and other reporting agencies.They just responded that the information was verified. Without solving the true issue at hand that a debt collector was reporting false information on my report which was damaging my credit file. 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX. This title and to limit the furnishing of consumers reports to the purpose listed under section XXXX of the tile.
Product: Debt collection

Credit report shows a collection account from CBE Group collection agency stated I owe {$110.00} to XXXX XXXX. I've paid and close my account with XXXX XXXX. I do not owe them anything.CBE Group never sent me any verification that debt is mine
Product: Credit reporting or other personal consumer reports

A Letter of Intent to File Banking Fraud Charges was written/sent to XXXX XXXX XXXX the President/CEO and received on XX/XX/year>. 

The reporting agencies fail to validate " debts '' repeatedly and refuse to submit the signed Contract and the Purchase Agreement. They also fail to provide their method of reporting, even though specific demands have been made. XXXX XXXX nor Equifax provides a FULL and corrected report either. 

They are in violation of the FDCPA and I demand these " debts '' be removed immediately along with the negative, nonconsensual inquiries. 

If XXXX XXXX, EQUIFAX, EXPERIAN AND CFPB refuse to delete these, they will be added to the lawsuit in a Federal Court for aiding and abetting and XXXX.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Collection/Charge Off : XXXX XXXX XX/XX/year> {$6700.00} XXXX XXXXXXXX XX/XX/year> {$0.00}
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Responded to Portfolio Recovery Associates mail offer that if I pay a certain amount for a collections account, then theyll have the account be considered settled in full with the three credit reporting agencies, however, they did not meet their end of the agreement and the account shows on my credit reports as settled for less than the full amount not settled in full as promised. I will not speak to any of their rude employees who proceeded to harass me to pay more money even though the account should already be closed.
Product: Payday loan, title loan, personal loan, or advance loan

I have been making on time payments for a title loan over a year and the amount owed has never decreased only increased. When I make my payments on the XXXX of every month of XXXX dollars the only option that I am given is to refinance so the payment will be accepted. But the amount never changed after a full year of making on time payments. No of my payments are being credited to the amount needed to get my titles back from the TitleMax company