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

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX  XXXX - XX/XX/year> XXXX XXXX  XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX  XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 15 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to Equifax on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Equifax regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : 1. ) Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} The above account contains inaccurate evidence that is causing significant prejudice to my credit reputation. The reported balance of {$450.00} does not correspond to the lower amount that I remember. I request Equifax to revise the Past Due information, as it is not accurate to present a Past Due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor regarding the incorrect data. I kindly ask Equifax to mark this account as disputed to prevent further negative impact on my credit score. 


XXXX. ) Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$100.00} The above account does not belong to me, and I request Equifax to remove it from my credit report. 


XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$34000.00} The above account does not belong to me, and I request Equifax to remove it from my credit report. 


XXXX. ) Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} The above account was never late, and I request Equifax to correct/update this inaccurate information on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handing of disputes particularly in light of the recent CFPB lawsuit highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their compnay has on file that was used to verify the accounts I disputed. I requested specific documentation to prove their method of verification, that has yet to be received. Being that they have gone past the 30 day mark and can not correctly verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit card or prepaid card

To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the XXXX  accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, XXXX XXXX, Navy Federal, and XXXX. I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX Liability Adjuster/Claims Resolution Representative, XXXX XXXX XXXX informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. The XXXX XXXX XXXX XXXX  that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have came across a few inaccuracies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chance of owning a home, getting a vehicle with a low APR or even credit card. I was denied use of my credit recently that brought this to my attention. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 

Personal Information The correct and only spelling of my name is XXXX XXXX XXXX XXXX REMOVE all other inaccurate information. 

REMOVE any address other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inaccurate accounts XXXX. The balances are in flatted on accounts. 
XXXX. The date of the Last Activity are inaccurate. 
XXXX. The date Opened are inaccurate. 
XXXX. The Closed Date is incomplete on accounts. 
XXXX. The Dispute Status is incorrect. 
XXXX. The Payment History is incomplete and inaccurate. 

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 Also I do not or have not done any business or have an open account with any of these people. 

Inaccurate Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please take the time and consideration to remove the incorrect information from my credit report XXXX within our economy struggling the way that it is, I can not afford to have inaccurate information negatively affecting my credit score. I will await an updated copy of my credit report to reflect these changes within thirty-day. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Arizona XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, i made contact with XXXX XXXX XXXX XXXX Vice President/ Counsel with the intentions to settle the allege student loan debt by way of debt validation letter. In XXXX of 2019 XXXX  sent me a threatening letter stating, they will take my earnings and money in private bank account if i don't pay up. Under duress and fear, I made payment XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 [ see receipts ] to date, XXXX reports inaccurate information, and fails to update their account. In XX/XX/2019, i made payment in full [ see receipts ]. XXXX continues to report inaccurate data, and continue to report the accounts as charge off/ failure to pay ; XXXX   agent XXXX receive notice from me with correct information [ see attachment ] but refuses to correct the record. I want XXXX to stop sharing my private data and information, without my written or express authorization.
Product: Student loan

A I have a daughter who just graduated college she has yet to find a job I contacted navient to see what my options would be instead of advising me that I may be able to pay the loan on her behalf they kept placing her in the forbearance mode now she has more than {$2000.00} and additional interest on her loan I would like to know why if it was possible for me to put pay the loan on her behalf it was never advised this is not fair I would have been glad to do so until she is on her feet now the amount of alone has gone from XXXX to XXXX I understand that there was a federal lawsuit navient and it would like to know if a parent of a student can refinance a loan for them company takes advantage of our future generation and because of there an ethical practices the future generation of this country is in XXXX
Product: Debt collection

I was notified via usps mail that i was in a data breach and that all my personal information was exposed. This information included my name social address bank and credit card information. I am formally disputing this account as fraudulent as i do not recognize this and these charges are unauthorized by me.I have already submitted an identity theft report on my behalf. The account in question is credit collections. If this account can not be veridfied with the origial contract, original creditor, and wet signiture from me i request that it be deleted off my credit reports immediately.
Product: Checking or savings account

Date this happened. XX/XX/XXXX XXXX XXXX  location : Chase Bank " XXXX XXXX XXXX, XXXX XXXX, CA Term ID : XXXX Card # XXXX sequence # XXXX Claim ID I called in is : XXXX Chase ATM took cash and did not give credit to the account or proper cash return, not a proper receipt. This is a Chase Bank, and Chase ATM. Member since XXXX Deposited money from wife " cash I'm the amount of XXXX. I attempted to use the other two ATMs at the same wall and they did work so only one was working. The far right ATM so I inserted my card Chase Card entered my PIN and pushed deposit cash. I had cash in my hands the whole time. I even gave XXXX dollars to a gut standing by the atm for his dad 's funeral. The atm took my money and spit out a receipt that said please be sure to call us at XXXX XXXX on this day I filed a report and they told me two days to get a credit or a resolution. 
The next day I even went up to the bank and they told me that Chase does not own the ATM at that Chase bank an blew me off on XXXX XXXX. This morning I called Chase corporate with my claim number and now they are telling me maybe 10 more days. 

I have not received an email or text about claim updates, and it seems they are not trying to do anything to help me. 

I have not been credited, or contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted the proper documentation to XXXX, Equifax and XXXX  showing that I've been the victim of identity theft. Nothing has been fixed or removed from my credit. This is impacting my score and personal life.
Product: Checking or savings account

I opened a Citi checking bank account after being sent a promotion to receive a promotional bonus after keeping my funds of XXXX or more in the checking account for more than 60 days. After the 60 days there would be a 90 day wait, I have waited over 120 days and have yet to receive anything. I opened 3 support tickets and all of them have led no where. 

The banker I spoke to has told me multiple times that I have met the requirements and it should be paid out. 

The promotional code I received was XXXX. I opened the account on XX/XX/2020. The banker told me I had met all the requirements in XXXX and it should have been paid out by now. 

One representative told me I wasnt target by I have the promotional code XXXX as proof that I was targeted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my 3rd letter to XX/XX/2022 as well as filed an official complaint with the Consumer Financial Protection Bureau. I told credit bureaus to investigate every piece of information on the accounts that I have listed below. 
According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge of concerning such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 
They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. 
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
Product: Credit reporting or other personal consumer reports

I am sending this coomplaint to address an issues concerning the late payments on my file. It has come to my attention that there have been delays or discrepancies in processing payments associated with the accounts listed below : XXXX XXXX XXXX Balance Owed : {$3600.00} XX/XX/XXXX XXXX Balance Owed : {$8600.00}
Product: Debt collection

My doctor 's office maintains an account with XXXX XXXX. Accordingly, many of my labs get process by virtual of sending my insurance information directly to XXXX. For some reason, even though the XXXX office process many labs with insurance information, they removed my insurance information claiming " guarantor responsibility ''. When I contacted my insurance XXXX XXXX XXXX  to verify coverage, I got informed that XXXX never submitted a claim for payment. I called XXXX several time with the insurance information. Finally, I contacted XXXX for them to contact XXXX. To date, XXXX fails to submit a claim for insurance coverage claiming that I do not have insurance albeit XXXX submitted several other insurance claims. I disputed this matter with Radius Global Solutions with both their addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( as shown on my XXXX credit file ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( as shown on my XXXX credit file )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that I did not initiate.
Product: Vehicle loan or lease

Flagship credit has called me between 4 and 11 time a day, uses harassing verbage and scare tactics. They have threatens to repossess my vehicle the day after a payment was made and today refused a partial payment because they placed me in 'recovery ' which, according to flagship, they will ask my neighbors about when I come and go, if they've seen the vehicle ( gated community that is zoned as private property so per OKC zoning it is illigal to solicit or trespass ), will show up at my work and ask my supervisor where I am and will wait at my kids school for my wife to show up and tow the vehicle. Their threats are bothersome and I have been written up at work for my phone going off repeatedly. I have a special needs child so I have to check my phone when it rings. Flagship has been informed of my disciplinary action because of their harassment and lack of decency. Yes, I am behind on my payments due to covid-19 and am doing everything possible to get caught up but that doesn't give them permission to treat me like this.
Product: Credit reporting or other personal consumer reports

About 2005 a credit card was taken out with Capital One. I was recently notified for the first time their was a judgment. I did not open this card account and need resolution to dismiss judgement and get the {$850.00} back the took from my bank account. 

Attorney - XXXXXXXX XXXX XXXX XXXXXXXX, TX Receiver- XXXXXXXX XXXX XXXXXXXX XXXX, TX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian said in its response in file # XXXX, that I did not provide a specific Item that I wanted deleted, That is NOT True. 

If you look at the attachments that I sent with my first complaint File # XXXX. 

I was very clear that I ask for a METHOD OF VERIFICATION as it related to a Item in my Public Record, Experian is not being honest about what I requested. 

This has been going on since XX/XX/2019 and they have not provided me with the METHOD OF VERIFICATION as to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. These accounts are not mine because my identity may have been stolen. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Also, most of the inquires were made on the same day. I didnt authorize these inquires. I did not authorize anyone employed by these companies to make any inquiry and view my credit report.
Product: Mortgage

We were offered a loan modification mid XX/XX/2017 to begin XX/XX/2017. I sent in an appeal. They never took into consideration what our income was. How could they offer a loan modification without documentation. Also I sent a demand letter asking to see the note. They told me to feel free to go to their office in XXXX XXXX XXXX Utah and see it there. They are legally required to allow me to see it locally. I have resubmitted the paperwork to do the loan modification. I called the mortgage servicer they told me its too late, too close to the auction date. They told me if I can have the auction date postponed by two or more months, then they can do a review. I called everyone and I was told that they can have the auction postponed.
Product: Money transfer, virtual currency, or money service

Coinbase Case XXXX On XX/XX/XXXX, An unauthorized purchase was made on my Coinbase account after apparently being hacked. This was in the amount of XXXX Bitcoin or {$24000.00}. As soon as I noticed that same night, I contacted my bank and coinbase. After my bank reversing the transaction ( I obviously can not afford $ XXXX as my bank account is around $ 1k ) Coinbase informed me that my account was going to be locked and investigated. Keep in mind, I had north of {$1500.00} in crypto on that account that I had been saving up for months. After waiting for weeks, calling everyday to no avail and emailing back and forth, I was greeted with an email saying that I was gaining access back to my account after deeming the transaction was unauthorized. I was happy for a total of one minute until I logged in to see that my account had been drained to pay off the debt of the unauthorized purchase. Those XXXXbtc were purchased at a higher price-it dropped-and coinbase left me on the hook for something I didnt even purchase. Now my account shows {$0.00} in crypto and around {$3000.00} in debt that is required in order to even use the account. Im a small customer and used this site to build my savings slowly. I would never purchase nearly 25000 dollars for anything with my current financial status. The purchase was totally uncharacteristic and unlike any of my many other purchases and shouldve raised a red flag but instead Im left with debt for something I played no part in.
Product: Debt collection

On XXXX I received a judgement against me. I was ordered to pay a total sum of {$7700.00} that shall bear interest in the statutory rate of 6 % every year. 

I will provide the information of the lawyers who are collecting the debt of {$7700.00} : Lotane & Associates P.A. 
XXXX XXXX XXXX, XXXX, FL XXXX XXXX. 

I got a letter that my Driver 's License got suspended that's how i found out about this debt. I was forced to pay them {$300.00} and also an additional {$150.00} to the DMV to reinstate my drivers license. I have had my drivers license suspended for miss payment at least 3 times through out the course of 10 years. 

on XX/XX/2020 i made my payment and have been consistent with my payments 90 % of the time, however there have been times that were difficult for me because i was going through hard ships in life. 

When contacting them to tell them, there have been numerous times they were very rude and unprofessional. They offer you little to no help and if you miss a payment with them. They immediately suspend your license and you are forced all over again to pay the {$300.00} penalty charge which is not included in any of the payments i have made to them so far. That's the penalty charge they take from you forcefully in order for you to have a letter sent to the DMV to reinstate your drivers license. Once that letter gets sent ... The DMV charges you {$150.00} to reinstate making it a total of {$450.00}. 

I have paid them {$6300.00} to date ( XX/XX/2020 ), not including the the penalty charges i paid for missing payment and i still owe them {$4600.00} at supposedly 4.75 % current interest rate. 

I will be paying them till i die. I honestly feel like i have a XXXX to my head and feel forced to pay them or lose my license for the rest of your life. Even in a pandemic ... they show little to no interest in helping anyone. All they want is their money or they take away your license. 

I did however speak to a representative by the name of XXXX who was very nice. She listened to me and was helpful in understanding my situation, however she could not clarify much to me as it was out of her hands. She did however cut my payments in half for the next 3 months which is of almost no help because i will be recurring a ridiculous amount of interest a day. 

I am currently unemployed due to COVID-19 and i am finding it very difficult to make my rent on time and i am terrified to miss one payment with them. I feel trapped and i don't know what else to do. I can't hire a lawyer to help me because i just don't have the money. 

If you look at there reviews on XXXX, they perhaps have the worst reviews i have ever seen in my life for the same malicious practices they use on other victims. I honestly am not sure how these types of Law firms are in business. They are in the business to ruin lives and this needs to stop immediately. I learned my lesson but these type of predatory debts should be against the law. Please i need your help.