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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 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 XXXXXX/XX/XXXX
Product: Prepaid card

i ordered a american express gift card on XXXX of XXXX at XXXX. it was a {$100.00} card. when i tried to use it after my trip back from XXXX, it wouldnt work. it would tell me that the card was declined or whatever. when i checked my balance, i was getting XXXX off my card. ive kept trying to purchase things that said american express was accepted, but still has not worked. ive called the american express phone number, and they didnt really help me, and i couldnt really understand what they said due to their accent. recently i thought the card worked, but i got an email from the place i bought something on that they had to cancel my order. i also have something. another thing i bought, but didnt go thru, i did not get a refund. most of the stuff i want to buy, does not go thru. there was two things that went thru, but got canceled because of my payment
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 ( XXXX ). 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 Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand I currently have an open complaint however, there are new alerts added to my credit impacting my score such as XXXX XXXX. I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still struggling with the same dilemma. This is hindering my opportunity of homeownership. I have been researching the FCRA believing that it works in the favor of the consumer as long as the proper work is done thoroughly. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 is acquainted or who may have knowledge concerning any such items of information. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. If they fail to do this then I expected, according to the law, that the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. Account # : XXXX XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX # XXXX -XXXX XXXX XXXX XXXX ( this new item added to my credit report even asking for proof, getting no response ) and -XXXX XXXX XXXX XXXX # XXXX ( Correct the status-account is open ) XXXX XXXX XXXX XXXX # XXXX. These items are having a huge negative impact to my score and is depressing. In addition, I still have personel on my credit reports that are not mine and Ive asked that it be removed : XXXX XXXX XXXX Apt XXXX XXXX, VA XXXX. The correct spelling f my name : XXXX XXXX XXXX XXXX Employment Information : XXXX, XXXX ( Ive never worked with this employer )
Product: Checking or savings account

Sometime in XX/XX/XXXX I received an email from Coinbase saying they had accidentally double-charged some customers. At the end of XX/XX/XXXX, my credit card noticed that I had bought the same amount of cryptocurrency {$100.00} dollars twice in a span of 4 days in XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). My credit card reversed one of the charges, amount reversed was {$100.00}. I received an email from coinbase on XX/XX/XXXX saying that my account was short of {$100.00} dollars. When I tried to login, it asked me to pay the amount, I paid it via my other back account ( not the credit card that rejected it because coinbase had already removed it ). According to my bank statement, they received this XXXX dollars back on XX/XX/XXXX. Yet my account remains frozen ( for buying ) despite several inquiries into the matter. What is worse is that they have also completely shut down my XXXX account, no explanation has been provided for this. XXXX is a sister company of coinbase, I have XXXX dollars deposited in XXXX and I am unable to access this, this despite not owing them any money. After several phone calls and emails, no explanation has been provided for shutting me out of my money. I can not even open XXXX to check if the money is still there, I am completely unable to open my account. This is unacceptable. No explanation and no recourse, just unanswered phone calls and emails.
Product: Debt collection

I just want actual clarification of this acct. I have no knowledge of the info they have sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company still reports debt that was already paid and my credit report on all 3 reports keeps reporting it. I have documentation proof that I dont owe it, I attached the documents below
Product: Credit reporting or other personal consumer reports

Hi I was the victim of a identity theft case. I actually got all of my information stolen. All of my personal information was stolen and sold on the black market. This happened XXXX, XXXX. I did not know this was going on until now which is XX/XX/XXXX. I had a terrible 2 years. Which I am trying to recover from. I do not know who used my personal information... but I suddenly decided to check my credit report and found all of this negative stuff in it. I did a credit freeze to my account. Made a FTC REPORT and contacted the companies to help me! 

XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Prepaid card

My direct deposit posted to my Rushcard account on XXXX XXXX. It is 6 days later and due to computer 'glitches ' I still have no access to the funds!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX  XXXX Balance : {$9900.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 there was an issue that occurred with XXXX XXXX  that I was not aware of. I got a letter in the mail on the XXXX of XXXX saying that XXXX XXXX is under investigation. Stating that theyve been issuing loans to XXXX XXXX with hidden fees and interest rates. Break some sort of Act between financial institutions and the military. I was told the hidden fees that I had been charged would be issued in a paper check in the mail box. I have not received this check.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority which stipulates an agreement. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. 


Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}
Product: Credit reporting or other personal consumer reports

It's appears that XXXX is reporting 29 accounts student loan on my credit report which complete the monitor after 3 years of discharge with {$0.00} balance. I contacted XXXX about this matter and stills no response. I planned to resume a legal aide lawyer in this matter if it's not resolved or removed.
Product: Mortgage

Because we had an ARM that began to adjust to unaffordable levers and because of the economy and loss of employment ; we were forced to file chapt-XXXX. This Lender denied our application for re-affirmation. While in the middle of completing a modification application with OCWEN ; XXXX months later -we were evicted from our primary home and foreclosed on. OCWEN continued to pursue us even after the foreclosure so we filed a complaint with NC Banking Dpt. OCWEN denied having foreclosed, and even though we provided a copy of the eviction notice and " report of foreclosure sale '' along with photos of the " foreclosed '' signs hanging in windows by Sheriff : NC banking closed the case. OCWEN continued to harass us and we continuously provided them with copies of the foreclosure documents. The most perplexing part is that they foreclosed on us XXXX! The XXXX " report of foreclosure and sale '' is dated XX/XX/XXXX. Now they just foreclosed and " went to steps '' again in XX/XX/XXXX! The attorneys for the bank will not advise how they were able to foreclose twice and will not speak with us because we do not have legal representation and we are not able to locate an attorney willing to represent us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 Accounts XXXX  Account XXXXAccount number XXXXXXXX XXXX XXXX XXXX-Account number XXXX
Product: Credit card

In XX/XX/2015 I purchased my very first home. I incurred high balances on several of my accounts as a result of renovations and making the house our home. I also sustained a small injury and a small medical debt while renovating. Needless to say these things caused my credit score to drop. 
I 've been paying everything down as best I can ever since and have never been late on a payment. 
But every time I make a substantial payment towards my Synchrony accounts they lower my credit limit to just above what the new balance is. 
This makes it look like I continue to have high balances on my accounts which keeps my score low. Then because my score is low, they lower my limit on another account and so on. 
So far I have XXXX accounts that they 've done this to. One of which has dropped from a {$4500.00} limit down to {$1700.00}. 
They are the only creditor that I have that insists on doing this kind of shady business. 
I am not being treated as a customer, I am being treated as a number or better yet, a risk. 
I have filed a complaint with the XXXX and am waiting for Synchrony to contact me in regards to this issue.
Product: Credit card or prepaid card

I applied for and received a  Barclay Cash Master Card i n or around   XXXX   XXXX  . I have a {$20000.00} credit balance approval. On   XXXX   XXXX   XXXX   I purchased a new automobile and charged {$5000.00} of this purchase on my  Barclay Cash Master Card. It was rejected. I called immedia tely from the dealership to  Barclay Master Card ... .... Barclay Master Card stated that I have been issued a new   card and the  one th at I attempted to use is not valid. I have only had this card for approximatel y five mon ths. I informed the  Barclay Master Card pho ne representative that I have never received a new card nor have I been notified that a new card had been issued to me. I was told by this Representative that the card I have in my possession was not valid. That terminated our conversation. I then used another credit card and my {$5000.00} was accepted The following day I called to make a complaint at  Barclay Cash Master Card.  My phone call was transmitted to a representative regarding my complaint. I explained the above situation to her. She informed me that when I placed my credit card from  Barclay Cash Master Card into the machine to charge my account,, the dealership did   not " follow through '' correctly.. I informed her that I did call on Friday   XXXX   XXXX   and I received a different explanation.. Her only response was that they have a record that I called.
Product: Debt collection

On XX/XX/2022, I consumer XXXX XXXX sent NAVY FEDERAL a cease and desist letter to stop the infringement upon my intellectual property rights. NAVY FEDERAL have failed to provide me with the a debt validation letter to be able to exercise my rights as a consumer to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all credit bureaus XX/XX/XXXX in regards to reporting an XXXX  under my public record that was not verified and not provided by the XXXX XXXX  court directly. I reached out to the XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina and confirmed verbally that to don't provide info to 3rd parties that are not included in the initial case. ( XXXX XXXX, XXXX, Equifax XXXX XXXX are not included included in any of the court case information ) In the letters I sent I requested that they remove the XXXX  from XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX, Dated Filed : XX/XX/XXXX with all credit bureaus XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX due to reporting inaccurate and/or incomplete, unverified information concerning my public records in consumer reports. I have not received any correspondence back from any of the credit bureaus within the 30 day. When I didn't hear anything back, I sent XXXX XXXX  XXXX XXXX XXXX XXXX North Carolina a letter for a written statement instead an verbaI conversation had with them so I could file a complaint with the CFPB because I feel like the credit agencies are not taking my request seriously enough to respond. I sent in Personal Information update request with the credit bureaus and got a response from only so far was from XXXX ( which is still incorrect ) but No one responded to the Public record correspondence I sent in.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I submitted a withdrawal request on CEX.IO for XXXX XXXX, which was equivalent to {$1000.00} USD at the time. CEX.IO charged a commission of {$30.00} USD, bringing my total payment to {$1000.00} USD. Despite my request and the fee being deducted, CEX.IO never processed my withdrawal or released my Bitcoin to my designated wallet. 

Since then, I have made multiple attempts to contact CEX.IO via email, live chat, and support tickets, but I have not received a satisfactory response or resolution. My XXXX remains withheld without a clear explanation. Given the significant increase in XXXX value since 2020, I am requesting the immediate release of my XXXX XXXX at its current market value. 

I believe CEX.IOs failure to process my withdrawal violates fair financial practices and consumer protection regulations. I request that the CFPB investigate this issue and take necessary action to ensure CEX.IO returns my Bitcoin or compensates me fairly for its current value.
Product: Money transfer, virtual currency, or money service

I am filling this complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Cusumer 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently reporting me to Experian credit services as Failure to Pay. there are two problems here.

1. the same account appears twice on my Experian report. I have contacted XXXX 5 or more times about this issue and they can not or will not correct the problem. 

2. XXXX is reporting account as an installment loan. One the report it clearly says terms are unknown. The account has been paid in full and should not be reported on my report since it is almost 8 years old. 

XX/XX/XXXX contacted XXXX was told there was nothing they can do, directed me to call Experian. 

Called Experian put in a dispute saying the debt is a duplicate account. 

XX/XX/XXXX Notified by experian that XXXX validated both accounts. 

Called XXXX about the dispute they advised me they had to finish disputes in a timely manner so they validated both of them. They advised me to call Experian back to dispute again. 

Called Experian back they said no they cant dispute again without me having some additional information. 

called XXXX back, they said they will try to fix it but can promise anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

XXXX XXXX extended credit in my name falsely at the following addresses and now refuses to acknowledge the identity theft that has taken place. Unbelievably allowing someone else to use my name and social to open 3 different accounts and 3 different addresses at the same time and not suspecting a thing. XXXX XXXX now wants me to pay the Identity theft debt. I have never lived in Virginia mailed bank statements to XXXX as proof along with my drivers licence etc. After completing proof of residency and sent back statements etc. to no avail. XXXX insisted on a police report dispite the local police saying they would not take one because it occured too long ago and that they could not investigate such a crime. 

The negative mark is still on my XXXX  credit report. 

XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1600.00} XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$74.00} XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1400.00}