23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Currently, I hold a Money Network Pay card. This card is used to receive payment from my temporary service. Recently, I connected it to my cash app account, so I can still use my debit card, although I have not been working. Come to find out, Money Network has linked my card, with another card and I have lost a lot of money. For example, there are two credit cards, with the same name, but different people. One has a positive balance, which was mine and the other had a negative balance, with was the fraudulent account. The company has taken my money majority of the times to cover another money network card to cover their negative balance and I have tried to resolve. This company refuses to give me my money back, although I have gone through account in detail with them numerous of times. Not only have I filed a complaint with the XXXX, but they still continue to commit fraud on my account. Please make it stop. Please audit there records on my account and make them pay my money back. You will notice, that a deposit will appear 2- 3 days, prior tot he pay date and be forced to cover deposits prior, which should have already been covered. This is how they skim money out of the account. For example, I had 3 posted deposits totaling {$200.00} on XX/XX/,, but I don't get paid until XX/XX/, they take that deposit for XXXX  and post it to XX/XX/ and the remaining balances that would have covered the {$200.00} disappears. This is a Ponzi scheme. I am tired of this. I am legitimately homeless and need every dollar I can get.
Product: Money transfer, virtual currency, or money service

I noticed a charge on my bank account for {$29.00} from coinbase. Upon checking my statement I noticed that they had been trying to charge my account for {$29.00} for a couple couple weeks. I opened an account with coinbase to get in touch with their customer service because that's the only way you can get in touch with them and I informed them about what was going on. I gave them my card information and they told me that they couldn't look up the charge in their system by just using the card information. Which is a bold faced lie. So they asked me for a screenshot of the charge in my bank statement which I provided. The screenshot also showed the transaction ID number. Which they also told me that they couldn't use to look up the charge in their system. Which is another bold faced lie. I went back and forth with them for two or three weeks about it and finally they sent me an email asking for all kinds of information. While I was getting all the information together I noticed in one of my email accounts that I had an email from them stating that my bank account was linked to an account with them. This email had a uid number inside of it. I turned that in with all the other information that they requested and since then I have not heard anything back from them. It's been over a week and now they're not returning any emails or anything. They're still trying to charge my bank account even though I blocked them through my bank account. Now they're using different offices in different states to get past the block placed on the original charge. This company is shady and prectickng shady business ways. They have had the information they requested from me for plenty long enough to find the charge and stop it. Refund it. And stop future charges from being made on my account. They are doing this knowing that I want it stopped. They are stealing from me and I need help getting this taken care of and hopefully y'all can bring some charges or something on them for this.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding Incorrect personal information on my credit report. Despite multiple attempts to dispute these fraudulent information with Transunion, my requests have been disregarded. 



These addresses and information was placed on my credit report from accounts that was fraudulently placed on to my consumer report. 

Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX  XXXX XXXX, XXXX, TX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
XXXX5 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. 
2. My Address : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete all phone numbers from my consumer report. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 


Please remove all information highlighted in yellow from my credit report.
Product: Debt collection

Caine & Weiner debt of XXXX was discharged on XX/XX/year>2024 by XXXX confirmation number XXXX. The transaction was made by XXXX XXXX. On XX/XX/year>2024 I spoke with XXXX management Stating the payment wasnt received, I explained the jurisdictional literacy used was incorrect & the transaction was confirmed by my account & they might have assumed voluntary service for my settlement in error. 
Federal business use specified account for crediting settlements that are outside of minority account ownership! My account has been settled Caine & Weiner are imposters acting as the accountant or trustee of my federally registered business trust
Product: Credit reporting, credit repair services, or other personal consumer reports

After having impeccable credit history for across 20 plus years years with XXXX, I received a late payment notification from credit bureau. I had no idea a financial obligation was owed on said account because due to covid, I had to send my employees to unemployment including my office manger. XXXX supposedly tried to reach out via an old phone ( not on the most current app ), and the office number by autodialer never leaving a voicemail because the autodialer could not get through the system. XXXX was understanding of the situation and advised as a " curtesy '' they would remove the late payment. Which to date they still have not removed from any of the 3 agencies. Upon notification of the late payment, I contacted immediately and made payment. They are breaking multiple laws affected by congress with covid. I am a small business owner and had extreme financial hardship. That said I still would have paid the bill before the late period had I KNOWN it was due ( my office manger had perviously paid and thought it was on auto pay ). I have disputed the late payment and they " verified '' instead of holding their end of the agreement which is required by state and federal law.
Product: Debt collection

We have sold a house in XX/XX/XXXX and bought house in XX/XX/XXXX. A Bank of America acct was opened on XXXX XXXX with my social security number for the amount of {$5000.00} credit line. These people bought from a XXXX company and XXXX fee in XXXX then did a check payment over phone. They then went to car dealership and paid another {$4200.00} in change. The check via phone was denied and the credit card amount went to up to {$9300.00} and change. Then they stopped payments and thats when it was on credit report in XXXX. We then contact police, to report fraud with my Social Security #. Sent that to BofA and they said they did investigation. We asked for all paperwork that went into their decision and we received only bank statements. They are still saying that we owe this amount. We have done our own investigation and the email they had file was not ours and phone number & address was incorrect. 
We have called on XX/XX/XXXX when we finally received a statement, then we called again in XX/XX/XXXX and we given multiple claim # s and nothing was ever sent to us via mail which they told me was going to happen. The places that items were purchased are not in business or didnt exists any longer as well. They are getting ready to charge off and not be willing to fix this matter. We have worked with two credit report agencies and could not get anything resolved.
Product: Credit card or prepaid card

Status of the account is closed and written off with an high amount and purchased by another lender. Personal information was shared and sold off the account to harass, hassle and report negligence of an high amount on the account and sent to an debt collection agency.
Product: Credit card

In XX/XX/year>, Dell Financial Services sold my account to Comenity Bank. When they did, they gave them the wrong information. As part of this transition, my old logins and payment portal were severed and my account number was changed. They had my wrong address on file, to a state and city and phone number I never lived in. They falsely believed I lived in New York and lived at a corporate building. This prevented me from making payments ( needed account number ) or verifying myself ( needed my phone number to match ). They prevented me from making payments or updating my information and charged me 5 late payments all of which reported to credit bureaus. After months of stressful dealings I was able to get a proper invoice mailed to me with my account information and have my account return to positive status but the company refuses to remove late payments CAUSED EXCLUSIVELY BY THEIR ACTIONS. In response to their failures and illegal activities they slashed my limit from {$5000.00} to {$3600.00}, and again to {$3400.00} once I made a payment because of a perpetual cycle where they lowered my credit score, then in response to having a lower credit score they now say I'm not eligible for the limit I was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX account has been closed and has inaccurate information and different data between credit bureaus. Furthermore Consumer Law requires fair and truth in Lending and confidentiality.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is reporting a Inaccurate account on my credit report, The account is not mines and XXXX XXXX XXXX XXXX XXXX has failed to verify the Accuracy of the account in question, I have no sign contract with XXXX XXXX XXXX XXXX XXXX They are Illegally putting things on my credit report
Product: Debt collection

I have submitted multiple written communication with the debt collection agencies LVNV Funding LLC, XXXX XXXX & Resurgent whom all are attempting to collect on the same debts. In addition I have requested a debt validation of the debt and neither of the above identified companies has provided me with the requested information. 

Several request to have this information deleted from my personal credit file was also request and the above mentioned named companies has failed to remove this information from the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account name and number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) had 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 : States consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I reached out sending letters to trans union and XXXX but they cant provide me with ownership that this is my account or my wet signature. This needs to be resolved and taken off immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I am aware of my rights under the Fair Credit Reporting Act. I am writing to officially dispute incorrect information that appears on my credit report, which I believe has been erroneously verified by the major credit bureaus despite my multiple attempts at correction. The item in question is related to an account held with XXXX XXXX. Your company has marked this account as " charged off '', but then it is a collection. I assert that this information is not only incorrect but also has unjustly caused significant damage to my credit standing over a period of years. How can an account be charged off the same day I reach out to the company to try and take care of the balance? Coincidently the account was also closed on XX/XX/22 the same day I emailed the them trying to pay my balance. If the account wasnt closed previously, how was it in collections & a charge off for 23 months? The email chain will be provided & credit report in email chain differ from new one provided. This company is fraudulent with deceptive illegal business practices. I never received one correspondence stating that my account was in collections or charged off. For the purpose of accuracy & fair credit reporting, I insist on receiving a document with detailed proof of this alleged debt verifying that this account was indeed charged off and placed into collections. If such documentation can not be provided, I kindly request that you rectify this error by deleting the inaccurate account information immediately. Failure to rectify this matter could result in me seeking legal remedies for the damage done to my financial reputation. I have maintained meticulous records and screenshots documenting the sustained damage caused by this error, which I am prepared to present in a court of law if necessary. I am hopeful that this issue will be resolved promptly and amicably, and that it will not escalate any further. Once again, please render proof of the charge off or delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$590.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I got numerous phone calls from Wells Fargo Bank fraud division at which point I picked up the phone. The impersonator introduced themselves as the Wells Fargo fraud department and they were calling me because someone was trying to charge my account {$8200.00}. 
They needed to verify my identity to stop the fraudulent charges. To verify my information, the impersonator walked me through step by step very professionally on setting up a recipient in XXXX through my Wells Fargo banking app but not sending them any money. At that point they had be back out and start doing the same thing through the wire transfer part in my app. At the very end, they wanted me to send the money through. When I asked them what the point of this was before I sent the transfer though, I was informed that I am sending this to the president of the fraud department of Wells Fargo and that they would be able to put the money back in my account so the fraudulent charges wouldn't hit my account. 
When the transfer went through, I realized that this was suspicious and fraudulent when the balance on my savings account actually dropped by the amount that was sent which was not supposed to be according to the impersonator. At that point I hung up the phone and immediately called Wells Fargo bank asking about this process they told me that was incorrect and would open a fraudulent claim case. 
I instructed Wells Fargo to stop the wire transfer and freeze my account since the wire transfer was still pending. 
On XXXX, I received a letter in the mail from Wells Fargo addressing the claim that was filed on XX/XX/year> was closed because the wire transfer was " authorized '' ( this is not the case ).
Product: Checking or savings account

Thursday XX/XX/2023 my account was flagged for fraudulent eligibility my account has stayed opened for about 2 months and has been in good standing. My account was closed 24 hours after I received an approval for a credit card. When opening the account I offered to provide documentation to establish my late grandfathers affiliation to the XXXX XXXX and was told by phone rep that it was not needed. On the day of and day before XX/XX/2023 I received plenty of troubles with the digital banking app prompting me to sign in on both web and app using others devices. I have a weekly direct deposit being received to the account and since it wasnt immediately closed I dont have access to my funds as it was flagged the day of my direct deposit. This has been a frustrating experience and I want the discrimination against me due to others frauding them to stop. I am a young good customer who adds nothing but positive equity back into the business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. 

Please remove this fraudulent account. 

Account Balance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reported the inaccuracies of a XXXX account reporting on my credit report for months. However, Experian continues reporting the information. I have not been provided with any accurate proof of ownership from Experian or XXXX about this account. Experian sends letters with claims of contacting the creditor and having the account validated by them however I have not been sent any proof of that. XXXX continues assertion that the account is valid and have provided no proof with my signature for these claims. I continue to assert that this is a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax and Experian for their repeated reinsertion of a fraudulent account ( see attached ) into my credit report, despite my prior disputes and their initial removal of the account. I am a victim of identity theft, and this issue has caused me significant financial and emotional distress for the past 10 months. 

The fraudulent account in question has been transferred or sold multiple times, yet both Equifax and Experian have removed it from my credit report only to later reinsert it without proper notification, as required under the Fair Credit Reporting Act ( FCRA ). This repeated reinsertion of an illegitimate account is not only a violation of my consumer rights but also continues to harm my creditworthiness and financial standing. 

I have provided documentation multiple times to both credit bureaus proving that this account is fraudulent and should not be associated with my credit file. Despite this, they have failed to maintain accurate reporting and have allowed this inaccurate information to be reinserted without proper investigation or notice. 

I respectfully request that the CFPB investigate this matter and take appropriate enforcement action against Equifax and Experian for their failure to comply with FCRA regulations. Additionally, I seek the following resolutions : - The permanent removal of the fraudulent account from my credit report. 
- Assurance that this account will not be reinserted in the future. 
- A formal response from Equifax and Experian detailing the corrective actions they will take to prevent this issue from recurring. 

Any additional remedies deemed appropriate by the CFPB to address this violation of my consumer rights.