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

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to ELAN FINANCIAL SERVICE. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my XXXX  instructions.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on me report. Please remove these accounts from my report, they are hurtng my ability to obtain credit.
Product: Vehicle loan or lease

Met with   XXXX   XXXX  at Bank of America in  XXXX , NC on   XXXX   for information regarding an auto loan for a lease buyout. I asked whether I should apply for credit in my wife 's name only or jointly and he advised since I am the primary earner to apply jointly.     On  XXXX , I applied for a joint loan and called into Customer Service to be told that a joint application would n't be valid to do a lease buyout for my wife 's lease since if my name was not on the original lease, I could n't be on the credit application.     A few hours later on  XXXX , we did an auto application in her name only and then were told that application would not be valid since her father originally co-signed with her on the lease and that both names needed to match exactly.     So now my credit has been pinged once and my wife 's credit has been pinged twice and we have approved loans that are not valid and unable to close for the transaction advertised, given terrible advise by several loan offices and customer service agents all along the way.     I was given bad / incomplete information by the original banker and th en 2  subsequent phone representatives in order to encourage me to apply for credit without remotely trying to identify what was in my and my wife 's best interest.     Additionally, the law / policy that is forcing names on a credit application to match exactly both signers of a lease seems unnecessarily burdensome to younger couples who are trying to transition assets and financial responsibilities into their own names and our of their parents names.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter XXXX bankruptcy last year 2020 XXXX XXXX XXXX XXXX XXXX  Docket # XXXX ) and the accounts that were included in my bankruptcy were not removed and or deleted from my credit report which is also holding up the process of purchasing a home. The accounts need to be removed/deleted : XXXX XXXX XXXX  XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX {$390.00} XX/XX/XXXX XXXX Acct : XXXX {$0.00} XXXX Acct XXXX XXXX {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Acct : XXXX {$860.00} XX/XX/XXXX XXXX Acct : XXXX {$0.00} XXXX Acct XXXX XXXX {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX {$0.00} XXXX Acct : XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit reporting act ( XXXX XXXX XXXXXXXX ) XXXX5 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions also a FTC report was sent to remove this account.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i To Whom It May Concern, I am formally disputing the following accounts listed on my credit report due to several inaccuracies. As per the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. Furthermore, under 15 U.S.C. 1681i, inaccurate or unverifiable information must be corrected or deleted within 30 to 45 days of a dispute. 

The accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The information reported on these accounts contains several discrepancies that violate my rights under the FCRA . I request that each of these accounts be verified for 100 % accuracy across all three credit reporting agencies or immediately removed from my credit report if the information can not be verified. 

If this matter is not resolved within the 30 to 45-day timeframe, I will have no choice but to proceed with legal action to seek damages of {$1000.00} per inaccuracy, as permitted under the FCRA. 

Please provide me with the results of your investigation in writing, along with an updated credit report reflecting the necessary corrections or deletions. If you require any additional information from me, please let me know immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter in the mail from. XXXX XXXX XXXX about an account I had with XXXX XXXX. XXXX XXXX has been obnoxious when they revoked my credit card four years ago and I gave them a cease and desist order. When reading the letter from XXXX XXXX XXXX XXXX, I see they have been contacted by LVNV Funding LLC, which apparently purchased the debt from XXXX XXXXXXXX. I asked them for the number and when I called LVNV, they refused to talk to me unless I lift the cease and decist order. I have been working with two other debt collection agencies to pay off a debt incurred when my mother was ill before she passed away. I would like have LVNV provide me all the information concerning my account with them. I believe they should be reprimanded for demanding I lift my cease and desist order. It is my right not to have anyone call me.
Product: Credit reporting or other personal consumer reports

Please remove account from XXXX XXXX AND XXXX XXXX  ACCOUNT # XXXX opened XX/XX/2016 because its past 7 years
Product: Debt collection

XXXX XXXX has transferred old credit card debt over to Miland Credit Reporting. I have received threatening calls and emails. I lost my job due to Covid 19 and they put a negative mark on my credit daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted them and disputed a bankruptcy that doesnt belong to me. XXXX XXXX has no record of this account. Company claims to verify it with no proof
Product: Debt collection

XXXX has sold the debt several times, even after its been dismissed and closed through several disputes. It is over 7 yrs old, its been disputed 3 times. They have lied and keep changing the dates. I have disputed so many times and have won everytime, then the debt gets removed, closed and then put back on by someone else, or even the same company that was renewing the debt after the fact they lost the dispute. Then a few days later it popped right back up on my credit report. I keep trying get them to stop, but they refuse. Ive been threatened to be sued and that it would possibly damage my credit report. There has to be a law that protects me from this! How can sprint just keep doing this! Their current collection agency is called Jefferson Capital systems, now the dispute says they won, how can they win when Ive already had it removed 3 times and closed? So the 7 years starts back over? Thats not right, whats XXXXhe point of having that rule if it doesnt actually matter? The collection has completely started back over. I dont know what to XXXX XXXX I dont know what my legal rights are. I feel like I am being bullied and harassed by this company, considered they found a way around the 7 yr credit drop rule, so how many other old debts are going to pop back up on my credit that are over 7-10-15 yrs old? Im terrified theyre going to get away with this. Just keep reporting it over and over and what if all the other old ones just start showing up? Ill never know what is on my credit, Im trying to get into law enforcement and everytime I turn around I look like Im lying to the government about what debts I have, when in fact one day its not there and the next day it is. Its causing me so many problems. Please please I am begging. Someone help me stop sprint from just charging whatever and whenever they want because they can make up documents and change it however they see fit, Im not sure if theyre actually doing that, maybe its the debt collection agency doing it, but either way I need help stopping the falsifying of documents that affect my credit! I think I even have receipts if the original account set up date! Thank you and hope to hear back soon. Ps. I added proof that Ive been found correct and that the FRCA agreed with me about sprint and had it removed from my credit from my first dispute against sprint. I won and it was removed from my credit, only for them to find a way to go against the law.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting

XXXX sold my debt to XXXX management. I fell behind on a payment and before I could settle they sold the debt. So I feel they are n't the ones to be paid. Although the they have received payments from me
Product: Debt collection

At approximately XXXX on XXXX/XXXX/XXXX I was contacted by phone at my residence by a man claiming that he was in the area representing a firm by the name of XXXX. The firm was sending him to serve me with sealed legal documents that would require my signature. He stated I was being sued by XXXX of their clients. When I told him that I have no idea what he 's speaking of or who would be wanting to sue me, he then gave me XXXX and case # XXXX and told me to call the firm and they could explain. When I called the number the rep told me this was in regards to an HSBC debt of {$1200.00}. A debt that I have disputed since XXXX and more recently in XXXX. When I explained to the rep that I have never received any notice in writing from their firm and that I still dispute the debt. I was then told I had to pay in full immediately or I would be served legal papers today taking me to court. When I refused I was then offered a settlement for the half the amount. When I refused I was then sent to another dept and offered some kind of payment arrangements. When I continued to dispute the debt I was told I would be served legal papers today or within the next few days and they would see me in court. Then the firm abruptly hung up on me.
Product: Checking or savings account

Opened US Bank savings account in XXXX with promotion of depositing {$5000.00} by XX/XX/2021 and holding for 6 months to receive {$100.00} bonus. I recently received {$50.00} for the promotion and not the {$100.00} per the terms and conditions. Contacted US Bank and they are claiming the second deposit was 'late ', which clearly is not the case from my bank records.
Product: Checking or savings account

I am filing a complaint with CFPB regarding my capital one checking account. Capital one has failed to provide my incoming deposit. Capital one has stated its having technical issues which may violate Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This issue raises concerns over consumer protection laws and I am requesting assistance in investigating this matter to ensure my rights are upheld.

Thank you
Product: Credit reporting or other personal consumer reports

Please be advised that this is my THIRD WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report you are in violation of 15 USC 1681. On XXXX XXXX XX/XX/year> I have requested that you investigation and reinvestigation the unverified items listed below that remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first and second investigation, you stated in writing that you verified that these are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual there address, and telephone number. Also, why did you not send me copies of the verification like I asked? As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the account they report on and their responsibility must consist of something more than merely parroting information received from other sources. The court have order that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ) .You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified. '' XXXXnever late XXXX XXXXXXXX Never Late XXXX XXXXXXXX Never Late - XXXX Never Late- XXXX Never Late, XXXX XXXX XXXXXXXX XXXX NEVER LATE
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelle 's dispute resolution process, especially following the recent CFPB lawsuit highlighting serious issues with the platform. Despite using Zelle multiple times and reporting discrepancies, neither my bank nor Zelle properly investigated my claims. They stated that recovering lost funds was impossible and tracking the transactions was unfeasible. The CFPBs findings reveal that Zelle has failed to protect consumers and allowed repeat offenders to exploit the system, putting users at risk of scams.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I request please that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 
Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Courts and have included their response. According to the United States Bankruptcy Court District of Nevada. The Bankruptcy Court does not report information to any credit bureaus. I demand that this information be removed from my credit report as it is being reported fraudulently. The courts didnt provide this information to you. The furnisher obtained this information from non-affiliated third parties. I demand immediate removal for the following account listed on my credit report : XXXX XXXX. Failure to do so will result in XXXX per violation of illegal report violations of my consumer rights. I have attached the Bankruptcy Court response below. 

I have also disputed this in the process with all three bureaus Equifax has deleted XXXX and XXXX hasn't removed these items the credit bureaus are noon affiliated with third parties and can not report this information. I have attached the letter from bk court showing they have not to furnished nor do they report to credit bureaus.
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 do 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 they violations.
Product: Money transfer, virtual currency, or money service

Dear agent, I 'm writing to complain a issue with Coinbase.Inc ( https : //www.coinbase.com ).

I made multiple purchase of Bitcoin through coinbase on XX/XX/XXXX. And there 's one transaction there of the amount {$300.00} did went through, but they gave me the correctly amount of Bitcoin to my Coinbase account. I think that was due to my bank 's fraud protection ( they see multiple buys in a short time as a suspicious activity ). So my bank charged the {$300.00} back. Coinbase realized this issue and lock downed my account ( with still more than {$2000.00} dollar USD in their XXXX account ), and I can not buy/sell or access my XXXX account after that. I called my bank tell my bank to accept any charge from Coinbase, and opened a support ticket on coinbase, stating that it was an issue with my bank and I do want to pay them!!! As for now, 1 month has passed, the issue has still not been resolved. I do n't see charges on my bank account, and I can not access my coinbase account and the fund in coinbase. It feels like they are taking my fund as a hostage. I do like to pay the amount I own them, but they are not doing anything to fix that. I tried to call them twice a week and get the boxed reply everytime, I even asked do I need to provide any additional payment method, they said no. I just have to wait and they keep my account locked and my fund in there. I think this can really be called fraud now. Please help! 
My coinbase account email is : XXXX The support ticket is : XXXX XXXX XXXX XXXX Best, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 with the same letter but to this day more than 45 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. I demand these errors be deleted immediately or I will take legal actions due to all the troubles you are causing me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Credit card or prepaid card

I did apply for credit card at Wal-Mart XXXX weeks ago, the card was approved and never received it in my mailbox as promised by store representative. I lost the receipt to show that the credit card has been approved from Wal-Mart. Any help for me to get the credit card would be appreciated. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My previous Kohl 's charge is being reported as a charge off for XX/XX/2919. I paid off the account in XX/XX/2019, so it should not be showing a charge off for XX/XX/2019.
Product: Consumer Loan

Loan date was extended without authorization or explanation. Amount required to satisfy loan has been paid according to contract originally signed. A loan was originally acquired with Spotloan on XXXX XXXX, 2015 for {$400.00}. Total amount to be paid is {$1000.00}. A payment was returned on XXXX XXXX, 2015 for insufficient payment. I received an email noting that {$10.00} would be added to my loan amount. This would bring the total to {$1000.00}. There were several emails with a " XXXX '' as to what I would need to do to bring my account current. I asked if I needed to make a double payment to make up for the situation. It was never explained that an extra charge of {$170.00} in interest would be applied. My contract states that my loan termination date was to be XXXX XXXX, 2015. An additional payment of {$58.00} was drafted from my checking account on XXXX XXXX, 2015 and my account still shows a balance of {$110.00}. They have been intentionally deceitful about their business practices and have been placed on a dispute list for XXXX XXXX account.
Product: Credit reporting

XXXX XXXX is listed on my credit report as a collection account. They claim I owe money to XXXX XXXX. That is not true. I have not lived in XXXX XXXX for almost a year. When I did live there, I always paid my rent on time. I stayed through the term of my lease, and I gave several months notice that I was moving when my lease was up. They never refunded my security deposit, and I do not owe them any money.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX  # XXXX has violated my rights. 

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

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I wanted to withdraw my funds from my investment on the site Etoro. However, it kept on telling me to " contact customer service ''. I have contacted them as well as given them my personal information such as " ID '', " selfie '' to verify that is me. They never given me any response at all, please help me solve this frustration. Thank you very much in advance.