23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RE : Requesting a Method of Verification Letter Dear Sir/Madam : I recently received a response to a dispute that I made under FCRA 611 ( a ) ( 7 ) regarding an erroneous item on my credit report involving a transaction with, Medical Business Bureau Partial account # XXXX Collection {$760.00} XXXX XXXX have no record of this account. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect Medical Business Bureau should be removed. 
My XXXX XXXX XXXX XXXX XXXX XXXX XXXX, payed XXXX XXXX XXXX  XXXX {$540.00} I have enclosed a copy of the Explanation of Benefits. 

So I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. Chapter 13 Bankruptcy # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. XXXX5 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$820.00} Balance updated XX/XX/XXXX Recent payment Delete account. Never open or had XXXX XXXX XXXX Contacted company violation of FDCPA law by not reading my rights and threatening if not paid
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I began using a dating app where I connected with a woman named XXXX, who also went by alias XXXX. She claimed to be a business woman based in XXXX XXXX, California. As we interacted and developed a friendship, she introduced me to an opportunity she said would allow me to earn significant returns through an AI-generated cryptocurrency trading platform ( XXXX  ). She explained that this platform allowed for profitable trades every 12 hours. XXXX guided me on how to set up my investments. She helped me transfer funds from my financial institution to a digital wallet called " Trust Wallet ''. Specifically, I purchased cryptocurrencies like XXXX  ( XXXX  ) or XXXX  ( XXXX ) to use for trading on this AI platform.Over the course of a month, I saw encouraging returns on my investments as the balance in my AI account grew. In fact, I transferred few gains from AI platform to my current Trust Wallet. However, XXXX informed me that to maximize my gains and improve my trading capacity, I needed to increase my " weight score. '' This score, according to her, would increase if I added more funds to my account. Moreover, AI Customer Service continues to send me the prompt that I have a low weight score and need to add funds to improve my weight score and earn more gains faster. Then, just yesterday morning, I discovered that my Trust Wallet balance had plummeted to {$0.00}, and {$1900.00} had been transferred out. I opened a ticket with XXXX XXXX team about an unauthorized transfer out, which is being reviewed. 

Alarmed, I contacted XXXX immediately. She reassured me that my funds were not lost but suggested that I needed to add {$3000.00} XXXX to improve my weight score, which she claimed was necessary for my initial funds to be returned.Trusting her advice, I transferred another {$3200.00} from my bank card to my Trust Wallet. After informing XXXX that I had added the required funds, I was shocked to find that, within minutes, my TrustWallet balance was back to {$0.00}. At this point, the realization hit me that I had been scammed. 

Total amount scammed : {$1900.00} + {$3000.00} = {$5000.00} Steps taken by me : 1. Reported the scam to Trust wallet Support and a Ticket # XXXX ( XX/XX/year> ) has been created in the email to respond within 1-2 days. Unfortunately, no response from them yet.

2. Filed an online complaint at FTC web site ( report fraudXXXX  ). Case # XXXX XXXX. Filled and submitted XXXX Referral form on XX/XX/year>. 
4. Based on the steps published on TrustWallet page how to reprt a scam, sent email to security team to bring down the domain name ASAP to avoid other users be the victim of such a scam.

5. Created a new digital wallet by following the steps referred on Trust Wallet web page.
Product: Checking or savings account

Chase bank closed my accounts a checking and savings they say for suspicious activity on XX/XX/year> I contacted them to ask why and they wouldn't say just keep giving me the run around and keep telling me to call back and when I do I get a different answer why with no clarity I have been calling with no clarity on why the funds are being investigated so I ask if I needed to provide them with proof of anything again I was told no I called today XX/XX/year> and was told it's under the XXXX XXXX department never heard of that with a bank I don't feel like the bank should be all up in someone else 's business if you don't want a person to bank with you then cool close the account return the funds and let them deal with what may or may not come next banks shouldn't have the right to keep what's not theirs. Especially without explanation or communication as to what is going on.
Product: Credit reporting or other personal consumer reports

To Whom It May concern : There have been multiple disputes forwarded to the following Credit Bureaus on a specific item on my Credit File ( s ) XXXX Experian XXXX There has been several attempts made to correct these matters. But every time a response is returned by the Credit Bureaus one or the other will send out a letter sent back from them stating it does not look as if the written communication is coming from me. This is a tactic that is in violation of my rights. And i need something done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing the status, amount, dates of an account listed on my Equifax credit report and Equifax continues to claim that the account is valid without providing me information that they have that proves what they claim to be true. The education loan is not only reporting inaccurately but there are two accounts with the same account numbers with different open dates and balances listed on my credit report. I sent Equifax yet another dispute letter this time I included a screenshot of all my student loans listed on the NSLDS ( National Student Loan Data System ) I highlighted the loan from University of XXXX XXXX  that was opened on XX/XX/2009 that shows a balance of {$1800.00} with no outstanding interest or late fees. I also included the screenshot to prove that there is no loan reporting opened on XX/XX/2009 from the University of XXXX XXXX. Equifax has completely ignored my letter and proof and still is reporting both of the accounts on my report after I've sent in proof.Not only are they reporting wrong information they keep changing the account status I have proof both of these accounts have been closed for years, I also sent proof to Equifax, and now the accounts are open with balances and monthly fees. This is absurd. Its the credit bureaus job to ensure nothing but accurate information is on the consumers report so I'm in complete shock that after I've provided the company with proof they fail to do what they are getting paid to do. Please DELETE the accounts from my credit report as they are not accurate and I have the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I sent a letter to XXXX XXXX demanding my {$1000.00} down payment back on XX/XX/2022. I sent this letter certified with USPS tracking numbers XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit file and I have several issues with inaccurate showing on my credit report. My name should appear as XXXX XXXX XXXX ( ONLY ) my DOB is XX/XX/XXXX my SS XXXX please remove delete any and ALL variation of my name, social and DOB. 
Name ID # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, ID # XXXX XXXX XXXX, ID # XXXX XXXX XXXX XXXX, ID # XXXX XXXX XXXX  XXXX XXXX, # XXXX XXXX XXXX  XXXX none of these are accurate please delete.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a responsible investigation of disputes. Furthermore, Experian actions also go against the Consumer Financial Protection Act that they have against them. I request that the CFPB take action to ensure Experian complies with Federal Law and provides consumers with federal necessary proof of investigation. These accounts were not properly investigated : Account Number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I contacted CashApp XX/XX/XXXX about a transaction that was pending for seven days. A few hours later I received six texts from them saying there was a banking error and additional funds were deducted from my account. My balance went from {$620.00} to {$490.00} for transactions that were showing completed in my account weeks earlier. I was also making deposits during this time. I have contacted them at least five times about this only to get scripted responses that doesnt address the issue. In addition, I have contacted them before because I had quite a few pending transactions that were over 60 days old.
Product: Credit reporting or other personal consumer reports

There is no Signed Legal contract between myself and the Aidvantage has falsely added this information to my credit reports. There are no Signed contract between myself and them. Therefore these false information should be removed from my credit reports immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing these incorrect items on my account for a long time, and the three credit bureaus and the creditor have yet to respond. On XX/XX/2022, I submitted a new dispute with the three agencies regarding various wrong items. Still, I had received no response after a month, and they refused to delete the inaccuracies from my credit report. These faulty items are still trying to collect the following amounts from me : {$640.00}, {$1300.00}, {$740.00}, {$730.00}, {$1300.00} in an inexact manner.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Debt to XXXX XXXX XXXX ( Verizon ) on XX/XX/2020 It was a ''Pay For Deletion '' meaning I pay the balance and the collection/chargeoff would be removed from my Credit report ( XXXX , XXXX , XXXX ) but It never was Its still showing up as a negative mark on my credit report I have the letter from jefferson capital attached showing i settled my debt and the collection/chargeoff would be removed from my credit report Im in the process of rebuilding credit and this negative mark on my credit report has dropped my score by 50 points i need Jefferson Capital to notify the 3 credit bureaus which are experian, transunion , and equifax to let them know the account is paid off and to remove from my credit report ASAP I will not stop until The items are removed Thanks in advance
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$100.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid the full remaining amount of my business 's XX/XX/XXXX credit card statement balance. The due date for this statement was XX/XX/XXXX. This payment was made via ACH, and that business checking account has been set up on the Wells Fargo website and used for these payments for well over a year. ( We have also never had a payment get returned for NSF. ) The payment cleared our business checking account on XX/XX/XXXX. As of XX/XX/XXXX, our available credit balance has not been updated to reflect the XX/XX/XXXX payment. From communications with my Wells Fargo business relationship banker, no one internally at Wells Fargo could explain why a hold was put in place on our credit - and no communication has been received on my end. This situation is extremely frustrating and damaging, especially regarding the lack of transparency and follow through on promised follow ups. I don't understand what we have done to deserve this action and behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act, XXXX account # XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my writing instructions
Product: Credit reporting or other personal consumer reports

I saw on all of my credit reports that there are well over XXXX Inquiries that are fraudulent and must be DELETED within XXXX days of receipt of this letter. Pursuant to 15 USC 1681c-2, I did not originate nor authorize these inquiries to be present. Also pursuant to 15 USC 1681 s-2, please CORRECT my personal information immediately. ADD CORRECT NAME : XXXX XXXX XXXX ( to XXXX and XXXX and REMOVE all others erroneous names. ) DELETE ( ALL ) XXXX NAMES from XXXX  and XXXX. DELETE ( ALL ) FORMER NAMES from XXXX. DELETE previous addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. DELETE employers : XXXX XXXX, XXXX. ****NOTE***EVERY SINGLE INQUIRY NEEDS TO BE DELETED FROM ALL THREE ( XXXX ) XXXX, XXXX XXXX AND XXXX XXXX AS XXXX OF THEM ARE FROM ANY TRANSACTION ORIGINATED BY ME AND MUST BE DELETED IMMEDIATELY WITHIN XXXX BUSINESS DAYS OF THIS LETTER on grounds of identity theft/alleged identity theft pursuant to XXXX USC 1681c-2. SEE ATTACHED IDENTITY THEFT REPORT.
Product: Debt collection

This company call me non stop asking to repay some debt I dont owe. When speaking to them on the phone they refuse to send me proof of the debt and discriminate on my age. In regards to the age discrimination they talk to me about being too young to understand and I need to stay off social media thinking I know what Im talking about. Calling me names such a dumb, A child, and clueless! This company is harassing and causing lots of stress and I cant get rid of them! Im now going to counseling for this issue because its causing mental damage to my life. Please assist me with this matter to help relieve this pain Im going through.
Product: Credit reporting or other personal consumer reports

I reached out to the Bankruptcy courts in writing asking them do they verify information about bankruptcy cases. They sent a letter to me stating that they do not verify information. I contacted XXXX with this information and let them know that the courts are stating that they do not report any bankruptcies. I sent copies of the letter from the courts and asked that this information be removed from my credit report. I am attaching the letters that were sent. On XX/XX/year> I contacted XXXX by phone because I put in a dispute and they responded that the bankruptcy had been verified. I spoke with a customer service rep by the name of XXXX and asked who did they speak to at the courts, because according to the courts they do no verify information over the phone. He went on to say that they did speak with someone with the courts and with XXXX XXXX and the bankruptcy was verified. He never gave me the name of who he spoke with at the courts, the date, the time, nor did he provide with the phone number he called, what documentation he had to verify that the information that he claimed was verified as accurate, this inaccurate reporting has caused me severe financial and emotional distress. At the end of the call with XXXX he asked me to send them a copy of the letter, which makes no sense to me because he claims that they spoke with someone from the courts and with XXXX XXXX which XXXX XXXX sent a letter to me stating that they had suppressed my file. I would like for XXXX XXXX to send me a letter stating that this information is no longer being reported and has been removed from their system. I also sent the same information XX/XX/XXXX And for all three credit bureaus to delete this information from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from transunion XXXX XXXX Copies of XXXX copy And current copy of XX/XX/XXXX I have had identity theft registered with the FTC and confirmed by the office of the comptroller for currency. 
I need the above copies as requested since XX/XX/XXXX And XXXX and XX/XX/XXXX To assist me in recovering