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

I am writing to dispute an unauthorized credit inquiry that appears on my credit report dated [ XX/XX/year>, & XXXX XXXX ]. The inquiry was made by [ CBNA ] without my consent or knowledge, which is a violation of the Fair Credit Reporting Act ( FCRA ) Section 604. According to my records, I did not initiate any transaction or authorize [ Company/Entity Name ] to obtain my credit information. I request that the CFPB investigates this matter and ensures the immediate removal of the inquiry from my credit report. I have attached relevant documents that support my claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXXI spoke with a agent to only show my correct address and spelling of my name. I ask them remove all wrong information it is still on mt credit report. I need action taken as soon as possible.
Product: Credit reporting or other personal consumer reports

I have sent disputes to XXXX, Experian, and XXXX for the last 5 months. I have not recieved any response. I have attached a XXXX bureau table showing all of the errors in my accounts. Please investigate, update, or delete the following accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified via email that my Experian account email address was changed. I tried to login and was told that the email was incorrect. Later that day I received multiple notifications of hard inquiries on my credit report. I froze all of my accounts but am concerned about fraud.
Product: Debt collection

On XX/XX/2018 I mailed a letter disputing a debt collection that was inarticulacy file on my behalf upon review of my credit report I notice that I had a derogatory mark file by a company that I did not do business with in the amount of {$300.00} the company name is Stuart - Lippman & Associates. I sent them a letter over a month ago and I still haven't got a response back addressing the false information.
Product: Checking or savings account

- I opened a HEILOC and a checking account with Citizen Bank on XX/XX/year>. 
- I transfered XXXX from HEILOC to checking account. 
- From checking account I tried to transfer the XXXX to business account which triggered some checks on Citizens 's side. 
- Citizen then blocked the checking account. I could not access the account, statements, or funds. 
- We called them multiple times to understand what happened and when will my funds be released and have received very limited information. They charged me to get the statements for my checking account and sent a statement but no other information. 
- Since then we closed our HEILOC and paid the XXXX from a new HEILOC from another company - The checking account is still blocked. It has {$10000.00} in funds. We can not access it or the funds and the bank is charging monthly checking and other fees. 
- We have received no communication on when the funds will be released. 
- We would like to get our funds back and close the account. 
- We also feel it is unfair that the bank is charging us fees for an account we can not even access for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, XXXX XXXX is NOT reporting my good, on time payments for my car payments. I asked XXXX. rep to correct the problem they caused to all 3 credit bureaus that my payments are late making my credit score decrease immensely. This is fraud. 
I want this fixed NOW.
Product: Vehicle loan or lease

the vehicle i financed through Credit Acceptance Corporation was repossessed on XX/XX/2018. XXXX XXXX XXXX require that a Creditor conduct the sale of repossessed vehicle in a commercially acceptable manner. The address on file for the load i took out was my father 's address. they filed the law suit under my mother 's address. she received the court summons. I was unaware of how to proceed moving forward. I submitted an answer to my complaint and waited for a response at my fathers address. my mother moved and credit acceptance and the courts continued to send notices to the address my mother no longer lived at. this resulted in the judge granting credit acceptance the judgement. The judge wont hear me out and Credit acceptance is breaking the law in continuing to report false information and pursue monetary amounts that it is not entitled to. I can share my motion and more details with whomever can help me. everyone keeps telling me bankruptcy is the only way to make this go away and I know for a fact that Credit Acceptance has violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 separate occasions ( XX/XX/2018&XX/XX/2018 ) I have submitted letters asking Transunion, XXXX and XXXX credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.
Product: Mortgage

Wells Fargo Mortgage has not sent papers to why they mailed out foreclosed documents to address that was are never been my address. Also Wells Fargo Mortgage will not send documents requested. I have requested documents and its always the same old XXXX  with them providing what requested. It seems they always mail you papers you did not ask for. also Wells Fargo does not reply back always with some computer XXXX letter there working on it. I'm tired of the lies by Wells Fargo Mortgage.
Product: Debt collection

This company has reported negative information to the credit bureaus of a debt with them. It is reported on my XXXX credit file, and my XXXX  credit file. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. I never received the requested information nor any follow up from them. The name of the company is Credit Collection Services. They have reported this negative information to 2 of the 3 credit bureaus. This was originally reported XX/XX/016 in the amount of {$100.00}.
Product: Money transfer, virtual currency, or money service

COINBASE BANK TRANSFER DEPOSIT I made a international bank transfert ( XXXX ) for deposit on my COINBASE account on the XX/XX/2018 
Afterwards, I have realized I have made the transfer from an unsupported country ( XXXX XXXX ) according to COINBASE website. Therefore, there was no indication to make sure the actual bank transfer is not from an unsupported country during the process of how to make a deposit on a COINBASE account. 
I have no updates from COINBASE on where is my money, if it has been credited on their account in XXXX, if the money has been send back to me, I have no deposit on my COINBASE account either. I can not use it on my account as it doesn't show any amount on it. 
I have sent 3 differents complaints on COINBASE website starting from 10 days after I made the bank transfer, and I only had pre-made replies out of subject initially, and then NO MORE REPLY ... 
I am absolutely ALONE now. 
NO one from COINBASE is trying to contact me and help me or giving me status of that situation or updates.

I have called them in USA on their Support phone number as well but NO ONE replies ... 
I don't know anymore if I will get my money back from COINBASE. 
I NEED HELP.
Product: Credit card or prepaid card

Discover Bank insists that an account with my name is actually mine and it is not. I have submitted ample documentation in this matter to illustrate that this is in fact a result of identity theft and is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was illegally ran by CarMax at about XXXX pst without my permission on XX/XX/21. I asked if my credit was being ran and I was told NO. This is criminal and illegal. It happened with XXXX in the CarMax XXXX Cust Srv Call Center on XX/XX/21. I found out only because I receive real time alerts on my phone from XXXX. I only called in to CarMax to schedule a test drive. When I realized my credit was ran AND no test drive would be set up, I asked to speak to a manager. I was transferred to the XXXX CarMax location to XXXX, a sales manager. 

I spoke to XXXX, the sales manager at the XXXX center, who was rude and not helpful! My credit has been ran multiple times through multiple banks due to this even though I ALREADY HAD A PRE APPROVAL FROM MY BANK! I was told I was being set up for a test drive while all the while CarMax was collecting information to run my credit! 

Please pull the call center call records as proof! My credit score has been damaged by this. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : TRANSWORLD SYSTEM INC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute your failure to properly reinvestigate and correct inaccurate information on my credit report. Specifically, my credit file still reflects a late payment from XX/XX/year>, despite the fact that XXXX has already corrected this inaccuracy after properly verifying it with the data furnisher. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, credit reporting agencies are required to conduct a fair and thorough reinvestigation of disputed information. If XXXX was able to verify with the data furnisher that the payment was on time, then XXXX and XXXX should both reflect identical, accurate information. Your continued reporting of this incorrect late payment demonstrates noncompliance with your obligations under federal law. 

I demand that you immediately : Reinvestigate this matter with the data furnisher and ensure the accurate reporting of my payment history. 
Update my credit report to reflect that my XX/XX/year> payment was on time. 
Provide me with an updated credit report reflecting these corrections. 
Provide a detailed explanation of how this information was " verified '' in your previous investigation. 
I have attached the following supporting documents : A copy of my updated XXXX credit report, showing that the late payment has been removed. 
Prior dispute correspondence. 
A copy of my identification for verification purposes. 
Failure to properly correct this inaccuracy will result in me filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking all legal remedies available to me under 15 USC 1681n for willful noncompliance.

I expect a response within the 15-day period required by law. Thank you for your immediate attention to this matter.
Product: Debt collection

I am XXXX XXXX, a federally protected consumer and I am submitting this complaint against Caine & Weiner Company regarding an account that they purchased from XXXX. I am writing this complaint before this alleged debt finds itself illegally being placed on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Caine & Weiner Company any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. I can admit that I have never validated this alleged debt with XXXX XXXX and while I have not validated such a claim of debt this in turn can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a trilateral contract between, XXXX, CAINE & WEINER COMPANY, and myself, giving Caine and Weiner Company any right to collect on this alleged debt. It is my belief that Caine & Weiner Company is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fun Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

I just recently looked at my credit report I saw some hard inquiries that did not have permissible purpose. 

Date Opened : XXXX balance : {$620.00} This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX XXXX and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX Bank XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX To : XXXX Collections Subject : Formal Demand for Cease Reporting, Investigation, and Immediate Removal of Inaccurate Collection Account To Whom It May Concern, This letter serves as a formal complaint and legal demand regarding an account your agency is reporting to the credit bureaus under the name XXXX, which is negatively impacting my credit profile and hindering my ability to obtain credit and secure stable housing for my family. This action is causing substantial and ongoing harm. 

I am demanding that you immediately cease all reporting activity related to this account and provide full validation and documentation, as required by law. 

Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX Code XXXX, you are required to notify consumers in writing within XXXX days of placing a debt for collection. I have never received any such notification from your agency. Furthermore, I never acknowledged, agreed to, or assumed liability for this debt, and your continued reporting without my knowledge or consent is a violation of both FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Your actions also violate 15 U.S. Code 1692e ( 8 ) by communicating false or misleading information to credit reporting agencies, especially without first verifying the accuracy and legitimacy of the debt. 

Case Law Reference : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court reaffirmed that failure to provide proper notification and reporting unverifiable debt is a violation of the FDCPA. 

You are now on notice that if this negative item is not removed from all consumer reporting agencies immediately, I will file an official CEREBONAREMA complaint, report this matter to the Consumer Financial Protection Bureau ( CFPB ), and take legal action for damages under FCRA Sections 616 and 617, as well as FDCPA. 

I request the following : XXXXImmediate cessation of all reporting activity to credit bureaus. 
XXXXFormal validation of the debt, including the original contract bearing my signature and any transaction history. 
XXXXWritten confirmation of deletion from all consumer reports. 
XXXXAssurance that you will not reinsert or resell this account in any form. 

You have XXXX  days from the date of this letter to respond. Failure to comply will result in escalation through legal and regulatory channels. 

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

XXXX XXXX XXXX XXXX- I am not satisfied that you have efficiently fulfilled the policies of the Fair Credit Reporting Act in doing your investigation. Please re-investigate the information or eliminate this account. 
CAPITAL ONE XXXX I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
CAPITAL ONE XXXX-Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts repeatedly for the a few years now with no result. ( XXXX most recent date of dispute for inaccurate reporting ) US Dept. of ED ( past the 6year statue of limitations for reporting student loans ) I have 6 of these accounts reporting to Transunion alone. Two of the schools I attended were closed due to fraud ( misleading students ) I have already submitted my Borrowers Defense paperwork for both schools ( XXXX XXXX and XXXX ). Two of the six accounts are big balance transfers ONLY being reported to Transunion .All six account status are ( Collections /Charge off ) and they are showing a balance due.

Also I have 2 new accounts that are not reporting to Transunion with is negatively affecting my credit score. ( XXXX XXXX XXXX XXXX and XXXX XXXX ). 

Inquiry Removal - XXXX XXXX  XXXX never applied for this account
Product: Mortgage

Dear Sir/Madam : I had/have Previously Submitted a Complaint/Request for Assistance, and the Consumer Complaint Number # XXXX, against XXXX XXXX XXXX XXXX XXXX, Loan Number # XXXX. On today, I received a letter dated XXXX XXXX, 2017, from Beneficial. 

That letter at Paragraph 3, references a Lien for XXXX XXXX XXXX, that Lien was disposed/avoided of in the Federal Bankruptcy proceedings, after the XXXX  XXXX XXXX did not challenge it by the Federal Bankruptcy Judge. Beneficial was provided a copy of that Court Order by my Bankruptcy Attorney ( XXXX XXXX XXXX ), that handled my case, after Beneficial refused to acknowledge the copy of the bankruptcy proceedings that I sent them. If Beneficial has provided you with a copy of the XXXX XXXX, 2017, letter that I just received from them, please note that they have omitted that document? I have provided as an attachment a Copy of that Court Order from Judge XXXX for you to review. How is it that Beneficial forgot to provide that document to you, this in itself is the whole basis for the Complaint against them. Beneficial has willfully and knowlingly not submitted documents that prove that I am right. Additionally, XXXX XXXX has never submitted any documents, be it letter or Confirmation from XXXX XXXX XXXX that Lien is still Valid. I also contacted the XXXX XXXX of XXXX XXXX, which handled the bankruptcy proceeding on XXXX XXXX XXXX 's behalf. In view of this information and the statements made by XXXX XXXX XXXX XXXX, in that letter dated XXXX XXXX, 2017, they must provide proof of whom and when they spoke with at XXXX XXXX XXXX, time, date and Phone Number, so that Debt Lien can be acknowledged. 

XXXX XXXX XXXX XXXX, must not be allowed to Pawn this off on " XXXX  XXXX XXXX, XXXX, as they had nothing to do with the information being provided by XXXX XXXX XXXX. As you now have the Court Order that Beneficial did not provide you with, and no way of knowing who from Beneficial spoke with whom at XXXX XXXX XXXX XXXX and when, that needs to be resolved in writing by XXXX.
Product: Mortgage

I submitted a complaint about LOANCARE on XXXX-18. Now I recently received another notice from them stating my mortgage payment is 3 months late, and now they are applying late charges ; also stating I may lose my home, and that this will effect my credit score. Never missed a mortgage payment in 5 years ; as long as I have owned my home. My Loan was transferred from XXXX XXXX XXXX to these people, and nothing but trouble. Never ever had a problem. I work, make payments on time. LOANCARE also increased my mortgage from $ XXXX/month to  over {$5000.00} a month. WHAT! I called them about 2 months ago, and they said they wanted me to send them a check for {$19000.00} re : escrow? WHAT? I'm wanting to file a class action lawsuit ... ..this is causing me sleepless nights, anxiety everyday. I have never ever had a problem like this in my XXXX years on this Earth. I pay taxes, work at a job that helps people in life. What is going on?? I see all these complaints about this company, and wondering how this has been allowed to continue for so long?? Will someone please help us law abiding citizens, and do something? PLEASE ... ..this is getting harder for me to take everyday. Thank you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXXXXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX items returned to amazon purchase order XXXX XXXX XXXX XXXX Amazon and Synchrony Back refused to credit my account over XXXX XXXX dollars returned to amazon and I am being charged for returns
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 submitted investigation request on accounts that are not mines. No valid status of results
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a late payment from XXXX from XXXX and and also over XXXX inquiries on my report that I don't have any knowledge of ..I 've reached out over a month ago but no response however... I don't comply to using XXXX XXXX at all .... this is the true meaning of malpractice and slander I've been unable to do anything financially please remove this from my account asap