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

Dear EQUIFAX ; " I '', XXXX XXXX is hereby giving NOTICE OF VALIDATION/Notice of Opportunity to Cure/Liability/Conditional Acceptance in pursuant to rights and remedy by law. There are falsely reported claims in " your '' records in my name along with misrepresentation of my lawful name as re : above. Please take the time out to investigate the matters as I have done so but are unable to be provided remedy for false claims from agencies who have unlawfully and without my expressed consent or proof of contract ; willfully, intentionally and knowingly shared/traded my private information against thy will ; with the exception of XXXXXXXX XXXX XXXXXXXX and XXXX XXXX ; which XXXX XXXX accounts XXXX I am exhausting all methods and if I can not find cure " in facts '' I will have no choice but to report all cases of falsified contracts " that are in the name of XXXX XXXX XXXX '' to the XXXX XXXX XXXX XXXX DEPARTMENT OF JUSTICE and any other agencies that may help in assist of this matter. Please remove all reports in error ; for they are causing, " I '', the living ( wo ) man, injuries and damages to my right to a fair and decent living as well as discrimination to my Lawful name without remedy for I out of good faith! Please take notice as I have done my due diligence in accordance with the laws stated in this correspondence. Please confirm validation, through correspondence, certified and notarized by a living flesh and blood witness that can attest to such facts under penalty and perjury. Please use the proper address listed above ALL OTHER ADDRESS MUST BE REMOVED AS THERE ARE NOT ASSOCIATED. Thank you for your assistance in the matter. 
THIS IS A FORMAL OPPORTUNITY TO CURE
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX breach. I want these items deleted from my credit reports effective immediately Im attaching proof that XXXX has immediately that I was, in fact of victim of his date of breach, and XXXX has done nothing, please help me delete these illegal accounts off my credit reports. ( list all those negative accounts from your XXXX credit report account names and account numbers )
Product: Money transfer, virtual currency, or money service

Coinbase, the crypto currency wallet/exchange company, due to security reasons disabled my account and told me it would take 4 business days for them to verify the cause and give me an answer. Its been more than 8 business days and i still have n't heard back from them. Customer support stopped answering phone calls due to high volume of traffic. And when they did, about 3 days ago, they could access the account but werent able to give you any information. I spoke with at least 5 representatives and all they said was that i just needed to wait for someone to contact me by email. My funds are frozen and i cant access my account, I looked online to see if more people were having the same problem and found out there is thousands of complaints of people blocked out and accounts disabled for months. I currently have XXXX dollars and seems like i 'm going to loose my money. I thought this was a serious company since its based in XXXX XXXX and its the biggest crypto currency wallet in the world. 
Please do something!!!
Product: Credit card or prepaid card

On XX/XX/2021, I opened 2 purchase disputes with Citi and it's been a complete nightmare since then! One dispute was for {$190.00} and the other for {$100.00}. 
The tracking numbers show " delivered '' but I didn't receive 4 of the 5 items. And, the only item that I received was completely damaged!!! 

Citi asked me for all evidence that I have but still decided to rule it against me and in the favor of the merchant. 

Citi and the merchant took advantage of a small consumer here and there is nobody to talk to. 

The only reason Citi decided to rule in favor of the merchant was that the merchant threatened to send his lawyers to them and it scared them ... but they don't mind hurting the small consumer! 

XXXX and XXXX  XXXX XXXX are much better at protecting the small consumers against scammers online!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries was not authorized my me.
Product: Credit reporting or other personal consumer reports

I have informed trans union that the only address that I have lived at is XXXX XXXX XXXX XXXX XXXX XXXX all others should be deleted as I have not lived there and to remove my employment information from my records especially since what they have is inaccurate. 

And I have also informed them that the hard inquiries are also inaccurate and that I have never authorized any company to do any inquiries nor have I authorized trans union to report any inquiries on my consumer report and I am requesting all inquiries on my consumer reports to be immediately removed I have sent paperwork to trans union about these items and I will be seeking damages in the amount of {$1000.00} for each inaccurate inquirys that are not immediately removed and my credit score to reflect the removals.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please DELETE these unknown items from my file XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX EQUIFAX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3200.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX  XXXX Balance {$3700.00} XXXX XXXX  XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} XXXX XXXX XXXX  XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize 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 XXXXXXXX to run inquiries on my credit report. I had no knowledge of these accounts/inquiries. THIS IS IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I did a complaint with cfpb on XX/XX/ and have yet to receive a response that would settle the situation within 30 days required by law. The complaint was ( I am really concern because Transunion is saying they verified information on my report with the furnisher of information. Something is not right, according to fcra they are to get information from the furnisher and that didnt happen because I contact the furnisher about my concerns of the incorrect information and ask why they are reporting the information and they said they were not. They said if there is a problem the reporting agency must file action to answer my dispute and they said I will know this is happening because I will be contacted saying my information is being accessed. I dont know how Transunion XXXXs verifying the information, but I know it is not properly investigated according to fcra rules which I have attached the rules in question to this complaint, also I have attached the report showing that the courts verified, which is conflicting with the letter I received from court ) I am still awaiting for a explanation and response by mail.
Product: Vehicle loan or lease

XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} I've contacted the company in XX/XX/XXXX to update the late derogatory marks. Please update the 30-day late reporting due to financial hardship and payments being deferred during those times. Payments were deferred and not late.
Product: Debt collection

$ XXXX balance XXXX XXXX Original creditor. Account information disputed by consumer, meets FCRA requirements.
Product: Credit reporting or other personal consumer reports

Pentagon Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX website address is www.PenFed.org I am writing to formally submit a complaint against Pentagon Federal Credit Union Please review the documents attached as I believe they are relevant to the case. My account is being reported as a charge off that should not have a balance according 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies but the attached financials show they are reporting not as a charge off but as a Recorded Investment ( 1 ) Recorded investment is defined as the unpaid principal balance, net of unamortized fees, costs, premiums, discounts, or other basis adjustments, net of charge offs, and accrued interest receivable.

For the following reasons : 1. Inaccurate Reporting : The bank has reported inaccurate information regarding my account to all 3 credit reporting agencies. This misinformation has adversely affected my credit score, approval of credit and all together my financial standing. 2. Misuse of Federal Reserve Loans : I am concerned th
at Pentagon Federal Credit Union may be abusing loans obtained from the Federal Reserve. It appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relation to my account.

3. Abuse of Insurance Policy : The bank charged me while collecting on the insurance policy that was supposed to insure the alleged loan. This practice appears to be an abuse of the insurance coverage and has resulted in additional financial burden on my part.
Product: Credit card

Chase has been charging me late fees for three years in excess of {$1200.00} for a returned payment of {$28.00} dating back to XXXX XXXX. I had been assured that I would not have to worry about fees under their AutoPay system, which I enrolled in sometime in XXXX. I called up to inquire about why they XXXX my account, again, as well as why there was still a balance on my card. They also had n't sent me a new card, as my old XXXX had expired at the end of XXXX. Instead, I 'm told that I 've been assessed late fees for 30+ months and that returned payments are can not be processed through their AutoPay system, which I was not aware of. They repeatedly XXXX my user account and I was unaware of the issue with the payments or that late fees were being assessed. They charged {$35.00} penalty monthly and refuse to assist any further with late fees apart from a credit for this month. I have paid more in late fees than the limit on the card of {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to TransUnion, XXXX and XXXX. However, it has been more than days and I have not received a response regarding my investigation. The status date on my credit report has not change, which means they are clearly not investigating the accounts. I discovered multiple billing errors under 15U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement. Despite my initial request, I have not received any hard proof from the creditor that proves I did not pay and was marked late. Therefor, I am still adamant that these errors were purely billing errors. and I urge to rectify them promptly furthermore, I request that the following items be updated on my consumer report, as agreed. As a consumer, I have the right to have theses accounts updated immediately. in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state Under 15 U.S.C 1681 Civil liability.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple requests, the inaccuracies in these accounts have not been addressed, and I have yet to see any resolution or corrective action. These errors are causing significant harm to my credit file, severely affecting my ability to live a normal life. 

The impact of these inaccuracies has placed me in a difficult situation, and I am left with no choice but to urgently seek your help in resolving this matter. I kindly request that a thorough investigation be conducted into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your assistance, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.
Product: Debt collection

During this past month I received serval messages claiming to be Citi financial. 
I finally answered the call today, XX/XX/XXXX. Now, the person said they are from a company called XXXX XXXX XXXX or XXXX XXXX. They stated they are a litigation company and a pre-trial division and processing. They stated I owed {$2600.00} from a master card opened in XXXX. Said they were going to take me to court if I do not settle within an hour and pay {$1000.00}. I asked for more information. They sent me an email with a PDF that had limited information, no credit card number, incorrect address and name, and the letter head had no company address, just an XXXX number. Also, the email was suspicious. 
I called my bank for advice and spoke to someone in the fraud department and they told me to not provide any information to this company. 
When I spoke with XXXX XXXX after I spoke with my bank, they were very rude and threatened to file court paperwork right not since I was not willing to pay them. I was willing to pay, but wanted more information. I the past 4 years, I have never received any paperwork in the mail from this company or Citi Financial. However, they had ALL my information. 
I attempted to contract Citi Financial, however, I was not able to speak with an actual person. 
The phone number on the letter head is : XXXX. The number I was called from this morning was : XXXX. 
However, when I would receive a phone call from XXXX XXXX XXXX XXXX XXXX the numbers would vary and were other non toll free numbers. 
Literally, just a few moments ago I received a silent phone call from the company stating they were sending someone to my property today to serve me and bring the human resource manager. That number was from XXXX.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX XXXX keep updating inaccurate information to my report after I keep asking them for specific proof to show they did a full investigation. They havent showed me any proof only updating the status of the account which is a violation to my rights under the fdca. A consumer report must contain all accurate information or it have to be deleted can not just say they said information was accurate so yall updated it meaning you nor them did the proper investigation on my report but updating information like its accurate I have proof they never did a real investigation
Product: Credit reporting or other personal consumer reports

Experian is still reporting inaccurate information on my credit report such as balance and payment history, and balance updates. I looked back at my report on XX/XX/year> and noticed some things were incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a request for a reinvestigation into this matter and the inaccurate information has not been removed On XX/XX/XXXX I sent letters asking Experian to reinvestigate the accounts listed below : Opploans/Finwise open date is not reporting correctly, date last active, date of last payment is not correct. With this, this account is not accurate. 

Please delete this account from my credit report Experian is supposed to ensure maximum possible accuracy. This account violates these laws : 15 USC 1681i, 15USC 1681s-2, 15USC 1681i ( 5 ), and 15USC 1681e ( b ).
Product: Credit reporting or other personal consumer reports

I am formally disputing the collection account reported by XXXX XXXX XXXX, also listed as XXXX XXXX XXXX, appearing on my credit report with XXXX, Experian, and XXXX. This account reflects an alleged debt of {$4300.00} with the original creditor listed as XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute the accuracy and validity of this account. I request that this account be removed and deleted entirely as it fails to meet the standards of verifiable and accurate reporting. Specifically, I demand validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires the collector to provide a signed contract or agreement that explicitly contains my full signature and Social Security number to establish the alleged obligation. Without such documentation, this account must be deemed unverifiable and removed. Furthermore, I request proof of assignment or transfer of this debt from XXXX XXXX to XXXX XXXX XXXX. In the absence of proper documentation, this collection is not legally enforceable, and its continued reporting violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies maintain maximum possible accuracy in their records. The discrepancies in the balance amounts ( e.g., {$4300.00} vs. {$4000.00} ) and the failure to provide closure or original agreement information further highlight inaccuracies. I assert that this account is inaccurate, unverifiable, and must be deleted immediately from my credit reports. Failure to do so may result in legal action, as continuing to report unverifiable or inaccurate information is a violation of my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/2025 I received a call from BOA fraud department regarding a {$5000.00} XXXX transfer. I confirmed that it was fraud and advised them not to allow the transfer. I do not use XXXX which is available on BOA online. The recipient was a fraud. Instead of complying with my request they allowed the transfer. The same thing happened on XX/XX/XXXX for {$10000.00} by the same recipient. That was blocked. 

BOA fraud advised me that the XXXX transfer was my fault since they allege the recipient hacked my IPad. This is complete nonsense. The BOA fraud department caught it and advised me of the potential transfer. They were told on a recorded line not to allow it. They fumbled and now they concocting sone ridiculous reason for the fraud which they allowed to happen. I use online BOA banking sparingly like to check my accounts but never use XXXX. BOA should not partner with XXXX when it exposes customers to fraud. BOA should reimburse my {$5000.00}. It was BOAs mistake that caused my {$5000.00} to be sent to a fraudulent recipient. Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

Yes I have an unauthorized payment for XXXX. They said something about my device.. I dont know but Ive tried different ways to resolve this and they still arent helping.. they didnt accept the police report from me.. they wanted to talk to law enforcement directly
Product: Credit reporting or other personal consumer reports

Unauthorized inquires by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX XXXX,
Product: Credit reporting or other personal consumer reports

Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which contradicts the actual status of the account. According to the provided information, the account is listed as " Paid or paying as agreed, '' with a monthly payment of {$660.00} and no past due amount. Therefore, the account should be reported as " Closed '' or " Paid in Full, '' reflecting its current status accurately. 

Inconsistent Payment History : While the account history indicates timely payments, there are discrepancies in the reporting of delinquent payments. XXXX and XXXX show a 30-day past due status in previous months, whereas TransUnion does not reflect any delinquency. This inconsistency requires clarification and correction to ensure accurate reporting across all credit bureaus. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. TransUnion and XXXX report a balance of {$16000.00}, whereas XXXX reports a slightly higher balance of {$16000.00}. Given that the balance is a crucial factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with TransUnion and XXXX reporting XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.