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

To whom it may concern : The Fair Credit Reporting Act provides me with the opportunity to contest any information on my credit report that I believe is not accurate. I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. 
Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 
Below is a summary of the data in which I am challenging
Product: Debt collection

I am deeply concerned by your persistent refusal to remove fraudulent accounts from my credit report, especially in light of clear evidence of fraud and confirmation from other bureaus that have successfully removed similar accounts. 
Your failure to comply with the law is unacceptable. 
XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  I sent {$570.00} through CashApp to a user $ XXXX who was posing as a car part dealer. After sending the money the person acted like he was at the shipping company and needed an additional {$200.00} for shipping. As soon as this happened, I realized the guy 's store front was a sham and that he was a scammer. I immediately asked him for my {$570.00} back " because I couldn't afford an additional {$200.00} for shipping '', ( but in reality, it was because I caught on to what was happening ). The person refused so I went on CashApp and reported the profile as a scam profile. In doing so the CashApp system automatically sends a refund request to the user I reported. 

This is where my problem with CashApp starts, after four times of contacting support they refused to look into the fraud issue basically stating that it was my fault for not sending money to a known or trusted individual. They just kept repeating that there is nothing they can do since the transaction has been completed and that I could try to request a refund from the individual. Thats right, on four separate occasions I got the very obviously scripted response of " ask the user for a refund '', three times after explaining that I had already requested it and the user who scammed me basically told me " good luck on getting your refund '', and once after waiting until the scammer actually refused my refund. 

They are trying to operate under a loophole that says if you knowingly sent money to someone then it's not an unauthorized transaction and refuse to investigate, oh unless you are a law-enforcement agency. 

Here 's my take on their current policies. 

1. If you are acting as a financial institution, you must offer some sort of consumer protections, otherwise you shouldn't have the right to handle my money.

2. You shouldn't require wasting already strained local law-enforcement resources to investigate a fraud committed on your platform that you enable by doing nothing about.

3. Being lied to, manipulated, or coerced, IS an unauthorized transaction, period, full stop, they both end in the same result, money stolen.

4. Like stated earlier, by willfully refusing to investigate fraud, scams, unauthorized transactions, or any other crime, you are enabling ; you are offering a platform for these criminals to engage in financial fraud.
Product: Mortgage

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 Re : Request to Review Basis for Denial of Loan Modification Account Number : # XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Owner : XXXX XXXX Dear CFPB : I am writing to you because I am trying to seek a loan modification, and I believe that the loan servicer ( Village Capital & Investment ), is refusing to follow the guidelines pursuant to XXXX. I am asking the CFPB to please conduct a review of my account to determine if my suspicions are correct. 
I have owned the subject property since XXXX. 

Although Village Capital & Investment is my loan servicer, I am unaware of the present lender, which is allegedly a governmental organization. I have tried to obtain a loan modification through their loss mitigation program. I have not been advised of the status of my loan modification/XXXX  packet aside from a denial based on ( 1 ) lack of documents ; BUT ; ( 2 ) I was informed in writing and telephonically that my application was complete. ) This can not be reconciled.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I feel like I've been getting taken advantage of by the credit bureaus. On XX/XX/XXXX I noticed additional addresses on my credit report so I sent in a letter requesting all inaccurate names and addresses be removed. Now four whole months later the names and addresses are still there. Now fast forward it to XX/XX/XXXX, I sent a letter regarding more inaccurate and unknown things on my credit report but to this day over 60 days later I haven't seen a response. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They did not do this so I had to send in a complaint to CFPB and it was only after that complaint that I even got a response at all, but they responded with some type of response saying they don't think it was me and they need a copy of my drivers license. This is ridiculous because as I previously stated I sent a letter in XXXX  asking for them to remove all names and addresses that weren't included on my drivers license, so clearly they've had my drivers license ( and I sent a copy of my social security card also ) since XXXX. I demand that these accounts be deleted immediately or I will have to file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach so my information was probably put in the wrong hands. Hopefully it won't take another 120 days that they'll take advantage of me again.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. Upon reviewing and checking my report I found out that the previously disputed items still appeared on my credit report as a inaccurate. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the XXXX credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX  XXXX Balance Owed : {$3000.00} ; XXXX  XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Owed : {$310.00} ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX Balance Owed : {$450.00} CONNS XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : $ XXXX late open
Product: Credit reporting or other personal consumer reports

I have previously requested all 3 bureaus to verify this account. Afterwards I received an updated copy that still show inaccurate information. There showing closed charge off with balances/ 90 days late and a current status. I ask that this be investigated and removed according to the law. I also notified an unlawful inclusion to my credit file in HIPA laws have been violated. 
XXXX XXXX XXXX earlier shied on my report as a XXXX debt with a XXXX office showing. After an update its now showing deleted from 2 credit bureaus but Experian remained with description of a XXXX line. My concern is how did a debt collector receive my personal information and why was it allowed to be shared into my credit profile. Please investigate and delete all unlawful and inaccurate information from all 3 Credit Bureas XXXX, XXXX and Experian. I thank you for your time and listening to my concerns.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


US DEPT ED XXXX {$3600.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7900.00} US DEPT ED XXXX {$5600.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4300.00} US DEPT XXXX XXXX {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX, XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes this morning when I found inaccurate accounts on my credit report, and I have no idea why theyre there. I check my report regularly, but this time, there were errors I didnt expect. I tried refreshing my browser to see if it was just a glitch, but the discrepancies remained. Im asking for a careful review of the documents Ive sent so I can stop worrying about this once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is third time I have requested that XXXX XXXX XXXX, XXXX XXXX, substantiate their claims regarding information XXXX XXXX # XXXX transmitted to credit CRAs for me, XXXX XXXX , regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that these companies complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from them to the credit bureaus should be deemed discrepant and may indicate desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
Product: Mortgage

I filed complaint with CFPB  XXXX  it is listed as resolved but it is not resolved.   I would like to have the complaint reopened and I would like to dispute the company 's response On  X/XX/2017    the company responded that they would release the loan in  24 to 48  hours but they have not. I have been calling and emailing their compliance department and Release of lien department but have not received a response. They can not play a 60 day window. the 60 day window should have started on   XXXX   XXXX  . I need this resolved now because I am tied up in a refinance right now and will soon be losing more money in non refundable closing costs.
Product: Debt collection

XXXX XXXX XXXX sent me to collections after claiming I did not send the internet box, when I did. I am not responsible for the service or misplacement delivery from that box. I was sent into collections to radius global where they kept sending me mail to the address I didnt not live for over more than 2 years so I was never able to dispute this issue. I was in the process of buying a house right before I received a hard inquiry on my credit that resulted in possible change to my loan. I tried to get proof of payment to the collection and they have not posted the receipt of payment.
Product: Credit card or prepaid card

On XX/XX/2018, I was notified by BBVA Compass Bank via e-mail of a Fraud Alert concerning a transaction in the amount of {$420.00} attempted by XXXX XXXX XXXX XXXX XXXX. I called them immediately to let them know it was indeed a fraudulent transaction which prompted them to remove the account and send me a new Visa credit card. I was told an investigation would be opened that day ( XX/XX/2018 ) and I'd be notified via US Mail of the outcome. It's been more than three months and the issue still has not been resolved. The fraudulent charge keeps showing up on every new statement ( along with the interest ) and every time I call for an update I'm told the investigation is still in progress. I've called the Fraud Department number directly ( XXXX ) but after being on hold for more than 50 minutes each time, I just hang up. The incident # is XXXX. Per your website, BBVA Compass is REQUIRED to resolve these types of disputes within 90 days and they have failed to do so. Any assistance you can provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

please i see since  XXXX / XXXX /   2013  reporting {$270.00} it is not true i need chexsystems removing that for me my phone #  XXXX   XXXX  also email  XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This is in reference the CFPB Complaint XXXX that did not address my complaint and closed the case. 

Home Depot Citi Executive Response Team keep claiming that they have sent a request to XXXX to change an inquiry to non-display. 

This notification has been sent at least 3 times since XX/XX/2023 

XXXX claims no such request was received My Complaint is why is Home Depot Citi Executive Response Team just resending and not INVESTIGATING why this is happening? 

Is the process to SEND messages? Or to COMMUNICATE a message? Is it not important to have tracking and confirmation of receival embedded in their process?
Product: Debt collection

I filed a complaint on XXXX XXXX ( plz refer to complaint # XXXX. Thre has to be some mistake because this complaint is not a duplicate. It stems from a new issue that has not yet been grieved and is as followed.. This company is being willingly non compliant to which is violating my federal protect right or what should be my federal protect rights. Once again I mailed this company a request for debt verification on XX/XX/year> to which you can see from the tracking receipt and what was stated to me by XXXX agent to which I was told staff at Oliphant reschedule delivery of the mail then refused to sign for the mail on the following delivery scheduled date to which denied me my right to request debt verification.Oliphant Failed to provide XXXX and in doing so did violated 15 usc 1692gb and PROOF OF CLAIM and All disclosures listed in this this correspondence Makes a false representation of the character of the herein above-referenced alleged debt ;
Product: Checking or savings account

XXXX XXXX XXXX CHIME BANK ACCOUNT ENDING XXXX XXXX XXXX From : XXXX To : XXXX XXXX : XXXX XXXX Mon, XX/XX/XXXX at XXXX XXXX  REPERSENTIVE ; XXXX XXXX. XXXX Dispute Letter Account XXXX XXXX XXXX [ XXXX XXXX XXXX ] [ XXXX, Texas XXXX ] [ XXXX [ XXXX ] [ XX/XX/XXXX ] Chime Bank /Bank Corp [ XXXX XXXX, XXXX XXXX ] [ XXXX , DE XXXX ] Subject Dispute of Unauthorized Transactions and Double Charges Dear Chime Dispute Department ; I am writing dispute unauthorized transactions and double charges with XXXX account- Linked credit card. XXXX XXXX XXXX XXXX and my Credit Builder account with Chime XXXX and XXXX XXXX ending XXXX Unauthorized Transactions. 

Between XX/XX/XXXX XXXX and XX/XX/XXXX XXXX merchants made unauthorized transactions [ 2- 3 times ] from my XXXX and Chime Credit Builder account without consent. 

Double charges On XXXX XX/XX/XXXX on going XXXX XXXX, XXXX withdrew {$110.00}, which she states already paid through XXXX on XX/XX/XXXX. 

Reporting and investigation XXXX XXXX reported this issue to XXXX [ XXXX XXXX time XXXX ; XXXX XXXX. ] and provide Email Address XXXX XXXX XXXX ending XXXX. 

XXXX representative found no transaction on that date. 

Chime Response ; Chime 's representative acknowledged the unauthorized transactions and advise me to wait for settlement pending charge and filing a dispute. 

XXXX XXXX XXXX requested immediate cancelation of unauthorized transactions amount [ {$110.00} ] refund double- charge without unauthorized consent. Confirmation of dispute resolution. 

Supporting Documents Attached are ; Account statements highlighting unauthorized transactions. 
XXXX transactions records Correspondence with XXXX. 

Thank you for prompt attention to this matter. 
XXXX and XXXX Sincerely ; Additional Steps ; 1. File a complaint with the Consumer Financial Protection Bureau [ CFPN ].

2. Consumer reporting to the Federal Trade Commission [ FTC ].

3. Monitor your accounts closely as she have me review her monthly statement or her Daughter XXXX see documentation you can clear match your Chime Credit Builder account with XXXX I urge you look at the statement of Chime and other document/ in my XXXX . Account from XXXX to XX/XX/XXXX. 
XX/XX/XXXX XXXX {$10.00} XXXX XXXX account XX/XX/XXXX {$83.00} XXXX XX/XX/XXXX {$110.00} USD TO XXXX XX/XX/XXXX {$16.00} XXXX XX/XX/XXXX XXXX {$110.00} USD TO XXXX XXXX/XXXX/XXXX {$8.00} XXXX XX/XX/XXXX {$110.00} XXXX XX/XX/XXXX {$100.00} USD TO XXXX XX/XX/XXXX {$110.00} XXXX XXXX/XXXX/XXXX {$3.00} USD TO XXXX XX/XX/XXXX {$110.00} XXXX XX/XX/XXXX {$8.00} USD TO XXXX XXXX {$110.00} XXXX XX/XX/XXXX {$110.00} USD TO XXXX XX/XX/XXXX {$110.00} XXXX XX/XX/XXXX {$77.00} USD TO XXXX XX/XX/XXXX {$110.00} XXXX XX/XX/XXXX {$19.00} USD TO XXXX XX/XX/XXXX {$97.00} XXXX XX/XX/XXXX {$110.00} USD TO XXXX I urge CHIME/ Bank Corp quick resolution do her hardship. 






Reply, Reply All or Forward
Product: Credit reporting or other personal consumer reports

As outlined in Section 621 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ), you are required to investigate any disputed information within 30 days of receiving a dispute notice. This includes entering a notice of dispute on my credit report. To date, I have not received any communication regarding the investigation of this dispute, nor has a notice of dispute been placed on my credit report for the account XXXX XXXX XXXXXXXX. Given your failure to comply with FCRA regulations by not investigating the disputed information and entering a notice of dispute, I demand the immediate removal of the accounts outlined in the dispute letter sent XX/XX/2024 ( attached ). Furthermore, the disputed accounts were never verified. Experian is reporting 2 late payments while XXXX states that no payment history is available. XXXX has removed this account. If I do not receive confirmation of the account 's removal, I will be forced to pursue further action, which may include filing a complaint with the Federal Trade Commission ( FTC ) and considering legal options. I have attached a copy of my credit report clearly showing the absence of a dispute notice for the accounts and the dispute letter, which is dated, and time stamped. Delete this account XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My case number is XXXX. 

I first contacted coinbase on XXXX.. I was following the steps to reset my 2-step authentication when you no longer have access to that number. It sent  a code to the old number even though I no longer have access and within a few minutes I got an email saying I had successfully changed my password. I put a temporary disable on my account because I wasnt sure if someone gained access to my account because coinbase sent that code to a random person.. even though again I put that I had no longer access to that phone number. So this all started because coinbase compromised my identity. 

I have sent multiple emails, waited on hold for over 2 hours on 4 separate occasions, escalated my issue, reached out on XXXX and XXXX. Coinbase sent me an email to explain My case and escalate it on XXXX/XXXX/XXXX. It had already been almost a week. I was told my issue would be solved within 10 days. 

I think this company is a fraud and is purposefully withholding my login. I cant possibly imagine a company that will not contact you back for weeks when it is involving time sensitive money when all I needed to do was change a telephone number on my account. I have lost money and I am very upset. 

This is happening to hundreds if not thousands of people. Literally all I needed was someone to let me change my telephone number and unlock my account. My money is held hostage and I can not withdraw until this happens.
Product: Money transfer, virtual currency, or money service

Money have been taken out of my account multiple times
Product: Credit reporting or other personal consumer reports

I declared XXXX but did NOT include my mortgage with DovenXXXX financial. After XXXX  discharged, they noted my account on my credit profile as discharged in bankruptcy. This is inaccurate. This debt was never included. I worked hard to pay the debt as required so it WOULDNT be discharged. I have asked Doven, the credit union and the credit bureaus to correct this. No one will do so. Every dispute comes back without it being fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

All these inquires listed below were placed onto my XXXX report without my knowledge and I did NOT authorize my name to be pulled for any of them. Please delete inquiries. 

XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 & XX/XX/18 | Consumer Portfolio S | XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 |