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 : Credit Score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries NOT Included in Dispute : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Open
Product: Debt collection

Providian National Bank threatening suit on a debt that was charged off in 2004 using XXXX & XXXX ( case XXXX ) on account XXXX. Debt collector calls on an almost daily basis threatening suit and indicates this will be the last call then calls the following day with same threats. Used location service Overnight Locators XXXX XXXX XXXX as well. Calls family members and neighbors. Debtor is XXXX years and lives on social security. Please stop ALL communications immediately including telephone and letters.
Product: Money transfer, virtual currency, or money service

Coinbase/XXXX is the same company, I will be referring to them both by using Coinbase. 

I am a customer of Coinbase. On the XXXX, I made a transfer in cryptocurrency from an external company ( XXXX ). The amount transacted was XXXX Litecoins ( worth roughly {$1300.00} at the time ). I sent Litecoin ( a form of cryptocurrency ) to XXXX, to an address that I was supplied for funding my account, and they failed to update my account to indicate the receipt of that transaction. 

While I did make the mistake of using the Bitcoin deposit address instead of the Litecoin deposit address, a small mistake like that should not release Coinbase from their obligation to their customer. 

The issue here lies with the fact that for some reason the address that was supplied by Coinbase works for both Bitcoin and Litecoin, the odds of which happening are very low. In this case Coinbase is the owner of both wallets so they have full capability to correct this matter. 




The transaction may be seen here : XXXX XXXX XXXXXXXX The details for the transaction ID may be seen here : XXXX XXXX XXXX XXXXXXXX The correct transaction is on line 7 : " 7 : Not yet redeemed - XXXX - XXXX LTC '' You can see that the account was credited the amount in question on the XXXX and there are no outputs, so the money is stuck on an account that Coinbase owns. 

It can also be verified via my Binance and Coinbase accounts. Funds were sent and never received. 

I contacted Coinbase immediately on the XXXX. I received an automated response on the same day which provided me with no assistance. I escalated the matter further and received a response on the XXXX that they can't do anything about this. This is unacceptable as from a technical standpoint they as a company are the only entity able to correct this issue. 

I demand that they rectify this issue and transfer the amount I sent to them ( XXXX Litecoins ) to my Coinbase account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN -- 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block Fraudulent Information on Credit Report Pursuant to FCRA Section 605B and 15 U.S. Code 1681c-2 ( a ) Complainant : XXXX XXXX Complaint Details : I am submitting this complaint to demand prompt action under Section 605B of the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( a ). Being a victim of identity theft due to a data breach, I am invoking my rights to have inaccurate information removed from my credit file.

Nature of the Issue : As a result of the data breach and subsequent misuse of my Social Security Number ( SSN ) and other sensitive details, I identified unauthorized accounts and transactions on my credit report. These fraudulent entries have harmed my credit profile, as demonstrated by a recent credit denial from my financial institution.

The items I am disputing and requesting to be blocked are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S DEPT OF ED XXXX Supporting Documentation : I have included the following documentation to substantiate my dispute : A copy of my original dispute letter sent to TransUnion, XXXX and XXXX. 

A copy of my government-issued ID and Social Security card for identity verification.

A copy of my Federal Trade Commission ( FTC ) Identity Theft Report.

Legal Basis for the Request : Under FCRA Section 605B, credit reporting agencies must block the reporting of information linked to identity theft within four ( 4 ) business days after receiving the consumers dispute and accompanying evidence. Additionally, 15 USC 1681c-2 ( a ) requires these agencies to ensure such data is excluded from the consumers credit report and that furnishers of the fraudulent accounts are notified of the block.

If further information or action is needed from me to resolve this issue, please inform me right away.

Thank you for addressing this matter promptly. 

Sincerely, XXXX XXXX
Product: Mortgage

Wells Fargo put me into CARES act forbearance without my consent. I was unable to make a payment online like I usually do. I called and was on hold for an hour but finally was able to talk to a rep, named XXXX. I told them they put me into forbearance without my consent. He apologized and said that the system is like a " hair trigger '' even though I did nothing to start a forbearance, I've never missed a payment, have no reason to apply for forbearance and am able to make payments. The rep said he would reverse the forbearance but that it would take 2-3 days and took my payment over the phone. This took place on XX/XX/20. I have recently been looking into refinancing with rates so low. I get an email today from my new potential lender stating that my credit report, which they pulled XX/XX/20, showed that my current mortgage with Wells Fargo is in forbearance, labeled " payment deferred ''. This may affect my ability to refinance my home. Also, Wells Fargo is contacting me about refinancing. On the XXXX   website and under the CARES act it states : As part of the recently enacted Coronavirus Aid, Relief and Economic Security ( CARES ) Act, mortgage accounts in forbearance as a result of COVID-19 can not be reported negatively to the credit bureaus by lenders. The wrongs are in apply forbearance to my mortgage without verbal OR written consent and the fact that they reported this forbearance to the credit bureaus. And now on my account showing the payment I made on the phone for my XXXX payment is deemed " unapplied funds '' with the description on their website : We have received funds that are not sufficient to make a full payment on your loan. If we are automatically withdrawing your payments based on a recurring weekly, bi-weekly, or semi-monthly schedule, your funds remain unapplied until we have received an amount sufficient to make a full monthly payment for you. If you are on a repayment plan and have made an agreement to make payment amounts that are different from your regular monthly payment, some funds may be unapplied. This is infuriating and could cost me ~ $ XXXX in interest savings and a decrease in previously exceptional credit of XXXX.
Product: Debt collection

In the interest of my Name and Property, XXXXXXXX XXXX XXXX, dba  XXXX XXXX XXXX, XXXX XXXX, Community loan servicing formally bayview loan servicing, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Authorized Rep XXXX XXXX attorney/debt collector. Have taken actions that are a violation of the FDCPA, FCRA. In relation to their collections practices of an alleged debt. The companies addressed here have violated the cease and desist notice sent their respective offices by registered mail that the debt is disputed and ordered to cease reporting misleading information on my consumer reports and communication with me unless they were to provide proof that a debt was valid and the law that relate to the alleged debt was not followed applicable in dealing with such a matter. By further mailing of statements and harassment letters from the attorney 's office listed above and unauthorized furnishings of transaction history and experiences between myself and the parties violates 1681 ( b ) 1681 a ( i ) permissible purposes and exclusions of certain information on a consumer report. I am holding these companies accountable for violation of 1692 e ( 2 ) The false representation of the character amount, and legal status of a debt. 1692 e ( 4 ) The implication that nonpayment of any debt will result in seizure or sale of property, 1692 d, 1692 f by communicated use of the attorney, listing my property and name in public notice of foreclosure as a delinquent debtor, has caused damages to my reputation as a natural person consumer, that will grossly affect my ability to do business and be provided housing whether it be lease rent or owning without being denied as a consumer. Under the 15 usc 1692 and 15 usc 1681 s-2 ( a ), 1681 c, 1681 n, 1681 o, 15 usc 1681 n ( 1 ) ( A ), ( B ) ( 2 ), and ( B ) ( 3 ). These companies have caused injury and have failed to deliver the name and address of the original creditor so that I may be able to validate their claims to a debt and actions. I have not given any consent to the actions being taken against myself or personal property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account # XXXX XXXX bank XX/XX/XXXX, # XXXX  XXXX XXXX XXXX, XXXX, # XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 15 U.S.C 1681section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was disputed with the bureau and the company as being reporting incorrect information as far as date last active which transunion show XX/XX/2018, XXXX  shows XX/XX/2018 and Equifax shows XXXX XXXX also showing a past due when the account is a charge off. after disputing and pointing out these inaccuracies they fail to update or delete the inaccurate information. also late payment is still being reported after the account as been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I would like to ask you to take actions and remove fake items from my credit report. That's crazy what I have there. I do not know these inquiries and I have never dealt with these companies. I have never gave anybody any permission for these items. They damaged my score. What is that? WHY?
Product: Credit reporting, credit repair services, or other personal consumer reports

After I reviewed my credit report I noticed that there are many names under my Transunion Credit File and many unknown addresses which I would like Deleted from my credit report. I am listing those below for your convenience. 
TRANSUNION - XXXX XXXX XXXX TRANSUNION - XXXX, XXXX, XXXX TRANSUNION XXXX XXXX, XXXX, XXXX TRANSUNION - XXXX XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TRANSUNION - XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent. 

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2017, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. 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 an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. 

Back in XXXX the following items were never authorized or signed by me and would like off my credit report. As this is fraud. 

XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002 142 ( b ) ( 4 ) -5-1002 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. see attachments
Product: Checking or savings account

I received notice that my checking account was negative {$4000.00}. Upon checking the withdrawals, the bank took {$4400.00} out of my bank account for " returned deposited items ''. We called the bank to verify and we're told they could not do anything until the transaction processed because they couldn't see why until the process was complete. I contacted the bank as soon as it was no longer pending in my account and was told that they could not find the item the original deposit of the item that was returned to them. The checks that were supposedly were deposited were not deposited into my account nor should I have received any checks for those amounts. The bank has told me on multiple phone calls they can not see the transactions to give me any answers as to why this happened and are not refunding my money when they clearly can't find the transaction of the deposit to show it was not me.
Product: Credit reporting or other personal consumer reports

It is EQUIFAXs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting an inaccurate late payment for the XXXX XXXXXXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2023. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im requesting Experian to remove immediately The account of XXXX from my credit report for fraudulent charges done by XXXX XXXX to my account number XXXX I sent to Experian more than XXXX court pages of this fraudulent charges and I XXXX XXXX is sending this proves today on this website Im requesting again to Experian to remove this account from my credit report base on fraudulent charges to my account Im sending XXXX pages of court prove, enough evidence to remove this account from my credit report. 

The court pages explained how XXXX XXXX committed the fraud, alteration and others things Also Experian never have sent me a single letter explaining why this account still on my report or the kind of investigation Experian have done Im requesting over and over to Experian to remove this account based on fraudulent charges that is the only resolution I want
Product: Credit reporting, credit repair services, or other personal consumer reports

thee companies are reporting inaccurate information and accounts that do not belong to me I have also noticed a number of inquires that I haven't made
Product: Mortgage

We recently ( about 3 months ago ) filed for bankruptcy. We notified Ditech that we would be reaffirming the debt ( our mortgage ) and requested the paperwork that needs to be filed in Federal court. Since then, myself and my attorney have contacted Ditech numerous times and they keep saying " they are working on it. '' The filing deadline is XX/XX/2018, just a few days from now and they are still refusing to provide the documents. I have had to pay my attorney extra fees now to file a request for an extension with the court. Ditech is purposely doing this to put us into a position where they can force a foreclosure on our home. I am permanently XXXX and Ditech wants out of the contract. Purposly holding up the bankruptcy from being finalized is also causing financial problems. Ditech either needs to provide the paperwork required by the court, or provide a lien release if they continue to refuse to let us reaffirm the debt.
Product: Credit card

I booked a hotel room on XX/XX/2023 with what I thought was XXXX XXXXXXXX XXXX XXXXXXXX. I only booked the hotel because it stated there was free cancelations and breakfast. On the Morning of the XXXX my son woke up with a XXXX, I immediately called the hotel to cancel. The hotel said they would be happy to refund me, but I used a 3rd party called XXXX to book. That company received the money and they would have to refund me Since the hotel NEVER received the funds. 
I immediately canceled with XXXX But was told that even though my son was diagnosed with XXXX XXXX, they would not issue me a refund because I did not give them a 24hr notice. I explained there was less then 24 hours from the time I booked and canceled the reservation. I submitted the dispute to Bank of America, on XX/XX/XXXX The bank sent me a questioner to complete and return to them no later then XX/XX/2023. I complied with the request. The letter they sent to me said the merchant would have 60 days to respond. I NEVER heard back from bank of America. Today I looked at the balance of my Bank of America Credit card and XXXX was charged back to my card over 100 Days after I filled my response. Bank of America NEVER reached out to me and NEVER sent me a notice stating they were going to take away the temporary credit. Bank of America Does NOT protect it's consumers and is in cahoots with these 1 star and fraudulent companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that Equifax ( credit bureau ) has been inaccurately reporting unauthorized inquiries that I do not recognize. The information listed below are the inquiries that are reporting inaccurately on my consumer credit report : An inquiry from XXXX XXXX ( auto finance ) on XX/XX/21, another inquiry from XXXX/XXXX XXXX ( Miscellaneous ) on XX/XX/21. I have requested for the bureaus and companies to remove the inquiries and no results have been furnished to me as the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Deletion of Inaccurate Accounts To Whom It May Concern, I am writing to demand the immediate deletion of six inaccurate and duplicate accounts listed on my Equifax credit report, all reported under the name : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX These accounts are inaccurately reported and appear as duplicates, violating the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S.C. 1681e ( b ) mandates that Equifax maintain maximum accuracy in the reporting of credit information. Reporting the same account twice is neither accurate nor permissible under this statute.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to promptly investigate disputes and remove information that is inaccurate, incomplete, or unverifiable. I demand that both accounts be permanently deleted, as they represent a clear violation of federal law.

Failure to delete these accounts within the legally required timeframe will leave me no choice but to escalate this matter further. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for damages, as provided under 15 U.S.C. 1681n for willful non-compliance and 15 U.S.C. 1681o for negligent non-compliance.

Please consider this letter my formal dispute. I expect confirmation of the deletion of both accounts within the next 30 days, as required by law.

Sincerely, XXXX XXXX