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

Under 15 U.S. Code 1681g, commonly referred to as the Fair Credit Reporting Act ( FCRA ), consumers have the right to request a full disclosure of the information held by credit reporting agencies about their credit history. Specifically, this section mandates that a consumer is entitled to receive a complete and accurate copy of their credit report upon request. In light of this, I am disputing the charge-off listed on my credit report from XXXX XXXX XXXX as the information provided appears to be inaccurate or incomplete. According to the FCRA, all information on a consumer 's credit report must be accurate, verifiable, and reported in a timely manner. It is my contention that the charge-off in question is either erroneous or was not properly verified by the creditor before being reported. Given that I am entitled to a clear and accurate representation of my credit history, I request that the credit reporting agency investigate this matter in accordance with 1681i, which requires investigations to be conducted promptly and corrections made if necessary. If the charge-off can not be substantiated with appropriate documentation, I ask that it be removed from my credit report as required by the law. I am exercising my rights under the FCRA to ensure that my credit history remains fair and accurate.
Product: Debt collection

On XXXX/XXXX/XXXX I was contacted via phone by a XXXX XXXX with Coastline & Associates about an alleged debt that I owed to a local hospital from XXXX. XXXX XXXX said they have been trying to serve me and the sheriff was coming. My credit would be harmed. They would lean my assets and my house. Just very threatening and mean. If I agreed to pay then via credit card they would send a release to fax and reduce the claim by half ( {$500.00} ). I fell for it and gave them the credit card which was immediately charged. I called the hospital and there is no unpaid bill. XXXX XXXX found me by calling several relatives. I have tried to reach her, but there has been no response. Her supervisor is a XXXX XXXX. His email address is XXXXXXXXXXXX. The research that I have been able to pull online shows that this company is located in XXXX, CA. Address is XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX//2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX//2017. 

XXXX XXXX has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. 

I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. 

I called XXXX XXXX  and disputed with the credit bureaus repeatedly without their taking any action to help me. 

XXXX XXXX account # XXXX Balance approximately {$6000.00} Home Equity line of credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a duplicate collection in the amount of {$140.00} for the XXXX XXXX XXXX partial account number XXXX. ( Please see page 4 of the attached credit report. ) This incorrect reporting is harming my credit score and is a violation of the Fair Credit Reporting Act. Please remove this line item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a compliant dealing with addresses that do not belong on my credit report. I am request a block on my personal information. I need a copy of my credit report for my personal review. please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/2024 Amount : {$19000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am currently working overseas and was advised by my Bank that they could not transact an overseas wire without a personal visit by me to the Branch. 
Accordingly, I flew back to USA. 
I visited the Citizens Bank Branch in XXXX XXXX, XXXX personally on XX/XX/2023 and completed paperwork for an overseas wire transfer to XXXX. {$140000.00}. 
I dealt with XXXX XXXX and the Branch Manager XXXX XXXX. 
after 10 days, when the wired money failed to arrive, I contacted the Bank and was advised that the wire had been cancelled due to an error on their part. 
The Bank advised : I was able to call the wire department to see what happened with the funds for the wire. The wire did end up being canceled due to typographical errors on their end. 
The Bank acknowledged that the error was made by them. 
I subsequently spoke with the Bank and asked them to reinstate the wire transfer. 
The Bank stated they were unable to send the wire again unless I visited the Branch. 
By this time, I had returned overseas. 
This is a Bank error and they have made no effort to correct the error or reinstate the wire. I am now overseas and unable to call at the Branch.
Product: Checking or savings account

I am not appreciating the fact they you guys restricted me access to review and submit disputes online. This is a major inconvenience to me as a customer. I should have the same access to all of the benefits and features that comes with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed inaccuracies, I came across my credit report from Experian, and XXXX XXXX XXXX XXXX XXXX 


Both credit bureaus had vast discrepancies in the information reporting, although their investigation results dated ( Experian ) XXXX advised they were still investigating, and it should be completed by XXXX. Which is past the 30 days allowed. The investigation did not change information reporting, there are still inaccuracies. I sent a method of verification request on XXXX via certified mail. That request was ignored by both credit bureaus. I have yet to receive that information which is now past the statue time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to address a pressing matter concerning the inaccurate information on my federal student loan, previously serviced by XXXX XXXX and now AidVantage. The reporting of erroneous and incorrect data on my credit report has persisted for the past year, and it is crucial that this issue is resolved promptly. 

Upon the transfer of my loan servicing from XXXX XXXX to AidVantage, I had anticipated that any previous reporting errors would be rectified. Unfortunately, to my dismay, these discrepancies were carried over to the new reporting system. These inaccuracies are undeniably detrimental to my credit score, unfairly compromising my financial standing. 

Despite my repeated attempts to resolve this matter, the errors persistently resurface and are verified as accurate. I have attached copies of the credit reports from each of the Major Bureaus, which clearly demonstrate the differing, incorrect, incomplete, and inaccurate information being reported. It is my firm belief that these discrepancies flagrantly violate the Fair Credit Reporting Act ( FCRA ). 

The current state of reporting not only tarnishes my credit history but also severely hampers my ability to secure loans. Such unjust reporting should not be tolerated in any circumstance. 

I implore you to take immediate action to rectify these inaccuracies, thoroughly investigate the violations to the FCRA, and ensure that the correct and accurate information is reflected on my credit report or REMOVE THE NEGATIVE REMARKS on my PAYMENT HISTORY. Additionally, I kindly request that you provide me with a comprehensive update regarding the progress and resolution of this matter. 

I understand the importance of adhering to the regulations outlined in the FCRA, and I trust that you share the same commitment to upholding these consumer rights. I anticipate a swift and satisfactory resolution to this issue. 

Thank you for your prompt attention to this matter. I look forward to your immediate action and a favorable response.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

XXXX sold my loan to Nationstar Mortgage recently. I received a letter ( paper ) with the new, pertinent information ( e.g. new loan number, instructions for setting up an online account etc ). 

When I went to the directed URL online to setup the online account - I was, very surprisingly, redirected to a NEW website called XXXX XXXX. On this new website there is NO mention of ANY affiliation to Nationstar Mortgage. 

Having worked in computer security for over 20 years - I was very suspicious of this website - again, as there was no mention of the affiliation to Nationstar ( a best practice in these situations ). 

I proceeded to setup the account - entering the new Loan number and last-4 SSN. It then took me to a page requesting my COMPLETE SSN. Again - this is HIGHLY suspicious behavior and a favorite trick of scammers/phising/social engineering hackers. 

Not being comfortable at all with providing this highly sensitive information - I called the number listed in the letter - and explained my concerns. They told me the only way to get an account setup was online - and I MUST enter my SSN. 

I find the handling of this entire process - from notification - to website redirection w/ no explanation to the requirement for online submission of my SSN - to be unacceptible - and more importantly promoting a VERY bad practice of training users to randomly enter their SSN into un-explained web sites. 

I am requested that this process/company be reviewed and guidance given to them to allow alternative forms of account setup and verificaiton ( namely Phone )
Product: Debt collection

I searched the XXXX XXXX dockets and found this case filed against me last year. I don't know who these people are even
Product: Credit reporting or other personal consumer reports

I am writing to you once again to follow up regarding the unresolved issue of fraudulent items on my credit file. Despite my repeated attempts, these fraudulent entries persist, tarnishing my creditworthiness and causing significant distress. 

It is disheartening to see that these fraudulent items continue to negatively impact my credit file, despite my persistent efforts to have them removed. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these fraudulent entries undermines that goal. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the fraudulent items on my credit file and immediate action to have them removed. With this, I am asking for your assistance to remove the fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Product: Credit card or prepaid card

Dispute ID : XXXX Date Amount Description XX/XX/2022 {$710.00} XXXX XXXX  XXXX XXXX XXXX XXXX has on their website that they will send a free return shipping label if merchandise is damaged or defective. XXXX refused to send me a return shipping label to send this item back. I sent pictures to CITI with the damaged item, I got a monitor that had a screen crack in it. I also sent pictures showing XXXXXXXX XXXX return policy. XXXX is violating their own return policy by not sending me a return label. Citi closed the dispute against me saying : We previously requested necessary information from you concerning this dispute. We did not receive proof you returned the merchandise and details of how the merchandise was defective or otherwise unsuitable. 

I sent in information showing XXXXXXXX XXXX policy is to send me a return label. THey never sent one so I can't send it back. I sent in photos and the statement that the monitor was damaged. There is a large crack in the monitor screen. I did everything asked of me. I want my {$710.00} back. I am very unhappy with Citi who I have used for many years.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I tried to transfer XXXX ETH and XXXX BTC from CoinbasePro to XXXX. I received an email from Coinbase asking if I wanted to go through with the transfer. I changed my mind and decided to cancel the transactions. Then, when I looked at my balance of ETH and BTC in my CoinbasePro Account, the cancelled transaction showed up as a pending transaction. I did not think anything of it at the time ; however, now it has been over two weeks and my transactions are still stuck in pending and I can not access my funds at all. This is costing me lots of money at this point as the crypto market is volitile and having access to one 's funds in order to sell before a market crash is essential to maintain the value of one 's assets, or gain a profit.

I reached out to CoinbasePro via their website and followed their instructions on how to make a complaint. At this point, I have made many complaints, tried to contact them on social media including XXXX and XXXX, without any success. I even almost got scammed on XXXX by trying to get CoinbasePro to attend to my issue.

I have received automatic responses from CoinbasePro with messages that they have received my complaints and that my issues have been resolved, but this is not true. I have checked my CoinbasePro account as recently as prior to typing this complaint, and my issue has still not been resolved and my funds are still stuck in a pending transaction and I am still unable to access my funds due to this. 

Please help me. I don't know what else to do. All of my funds are tied up with this company and I am panicing. Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXXXXXX XXXX XXXXXXXX XXXX : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00}
Product: Mortgage

I had an automatic payment checking ( XXXX ) account that I closed months ago. I have used this account to pay ALL my bills including OCWEN. As it turns out, OCWEN is the only company I am having a problem with since I closed my checking account. OCWEN computer software is outdated. It keeps trying to collect my mortgage payments even though my checking account has been closed for months. They keep charging me late fees even though I am making payments from a different account ON TIME. In fact, I can not longer make payments through their system since my account has been " late '' so many times. Because of this, I am now mandated to make payments in certified funds ... which I also have to paid extra fees! I am a very busy professional with a challenging schedule and these events are really creating a large amount of pain and suffering. All of these due to their incompetence and inability to solve the problem even though I have called several times!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Debt collection

Pressler & Pressler Law Office of XXXX, NJ has been hounding me for a few for years about a debt they did not specify the amount of & more importantly that did not belong to me. I have never personally had an account with the XXXX. I recently received a summons to appear in court as they have filed a suit to garnish my wages. They are referring to a XXXX credit card account I co-signed for my mom 15 years ago. In XXXX, this XXXX account was charged off in a Chapter XXXX  Bankruptcy filed by my mom. I explained this to them in writing providing them with all the applicable information ( filing/docket #, court address, etc. ) regarding the bankruptcy & submitted a copy to XXXX County Court 's Special Civil Part Dept. as well. 
In the letter, I also requested a mailed copy of the original signed agreement for this debt. & to cease contacting me until they provided it. Pressler & Pressler never acknowledged nor sent the requested info. However, a paralegal from the firm who recently contacted me via phone asking to make a payment, did confirm they had received the letter. Instead, they ignored it & insisted on demanding me to pay by any means, if that means garnishing my wages. 
In XXXX, they unknowingly garnished money from a XXXX  XXXX XXXX account that I was not an owner of but put on as a secondary cardholder. I addressed this to them and asked why I did not receive any notification that this was going to happen & more importantly they are wrong because I do not owe anything. I am sure that is illegal, isn't it? They blatantly ignored it & continued with the harassment.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, Consumer, who currently resides at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is in XXXX XXXX XXXX . I am writing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, XXXX, XXXX XXXX XXXX XXXX XXXX any of the above-mentioned corporations ' executives, directors, assignees, Officers, affiliates, and nonaffiliated third parties, have violated many Consumer Protection and Racketeering and Privacy Laws. XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, inequitable, negative information that is causing XXXX XXXX, XXXX, severe financial distress, causing him to be unable to extend credit. This account needs to be deleted and permanently removed from the Transunion and XXXX credit file of XXXX XXXX, Consumer.
Product: Credit card or prepaid card

I filed a CFPB complaint against American Express on XX/XX/2019, got response from the company today as of XX/XX/2019. However, the company refused to address my complaint by stating " During your online application you were advised based on your history with American Express Welcome offers, introductory APR offers, or the number of cards you have opened and closed, you are not eligible to receive this Welcome offer. The message also explained that no credit check had yet been performed and you were given the option to cancel the application or proceed. You elected to proceed with the application, without the Welcome offer. '' This claim was completely false. I am 100 % sure no such message was provided during my application, or I would not have proceeded with my application. In my initial complaint letter, I also clearly stated " Then I was told that on the Amex website where one can apply for the credit cards there will be a message towards the end of the application process that tells you if you are eligible for the welcome offer prior to the final application processing. However, in my case no such message was provided during my application process. Hence, I assumed that I was eligible for the promotional offer. More importantly, Amex should be obligated to inform the applicant immediately even if they have the so called " reserved rights '' to decline offer any time for any reason ( based on what the online agent said ). '' I suspect that the company was not even paying attention to my descriptions in the letter. This was a deceptive marketing event and though my conversations with other American Express customers, I learned that I was not the only one affected by the recent fraud activities. I demand that this event be thoroughly investigated and further involvement of legal authorities if necessary.