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

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$7900.00}
Product: Payday loan, title loan, personal loan, or advance loan

when this loan was established I did not know these funds came from a security interest and not this company Upstart personal funds /assets. Very discouraging on what credit is where it come from and how financial institutions make profits from opening the door to people security interest account to make money from interest charge on these accounts. Moving forward I am not in agreement with this process.
Product: Checking or savings account

I have unfortunately gone negative in my account due to the hardships my family has had to go through this year. Last month in just one week the bank charged in {$640.00} in over draft fees. In the past XXXX days over {$240.00}. I tried to explain to them a number of times my hardship. Not only do they not try and help refund any of the fees, they harass me with phone calls, are verbally abusive and threaten my family. Today they threatened me and refused to show any compassion. Because of their lack of compassion and understanding not only have they taken over {$1000.00} from me in fees they have caused a financial problem. I will be suing TD Bank
Product: Money transfer, virtual currency, or money service

Dear Complaints Department : Please refer to my complaint regarding Bank of America 's failure to protect consumers and hosting a fraudulent beneficiary company. 

My Case : I was put in touch with a merchant called XXXX from XXXX XXXX who falsely presented the company as a financial investment firm. XXXX was very persuasive and enthusiastic and made a lot of promises about lucrative investment returns at low risk. He was very convincing and friendly so I decided to give it a try. 

I made my first deposit of {$48000.00}, via online banking on XXXX XX/XX/XXXX, to what I believed was a genuine investment to a real investment company which was authorized to operate in the USA. 

This company had provided me with an online passcode to their website to what was allegedly my trading account. 

I made nine transfers to this company from XX/XX/XXXX through XX/XX/XXXX, aggregating a total of XXXX The online software was working well and on paper my account had grown profits. It all started going downhill when XXXX had to go away and put me in touch with his colleague XXXX. XXXX lost almost everything in the account after 10 minutes of him taking over my account!! When I got in touch with XXXX after this, he claimed that XXXX was fired for losing my money. But in the aftermath, I have not gotten my " invested '' money back. Instead, I was told to invest more money. 

I later discovered that the company is not even licensed to operate as a financial institution in any country, rendering their services as a fictitious cyber fraud. 

This money that was lost is 70 % of my savings and was supposed to be for my retirement, causing me XXXX  and XXXX. 

I have been in contact with the XXXX XXXX, Bank Of America, but so far they have ignored my pleas for help and have not closed the fraudulent beneficiary company 's account.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : 1. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting or other personal consumer reports

XXXX has discharged this debt and is still reporting it in my credit report. I attached the copy of the irs transcript for the 1099c discharge debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non compliance with the XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing accounts, XXXX says they dispute information on peoples credit files. But at the end of time frame you recheck file and stuff just says remains. No explanation on how information was verified. There disputing practices are very vague no written info ever given.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, there was an inquiry request made by XXXX XXXX and was sent to the companies listed below. I contacted XXXX XXXX about the unauthorized inquiry and that it had to be removed because I did not authorize them. XXXX XXXX typed a letter stating that the inquiries were made in error and I did not fill out an application. Each letter was sent to the companies with my request to remove them and my request was not granted. Attached is a copy of the letter from XXXX XXXX. 

The following companies pulled my credit from XXXX : XXXX XXXX XXXX Bank ALLY Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto The following inquires were pulled from my XXXX : XXXX XXXX Auto Finace The following inquiries were pulled from my XXXX Credit Report XXXX XXXX Auto XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to TRANSUNION to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, TX XXXX. My date of birth is XXXX XXXX XXXX  The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$240.00}
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

* XX/XX/XXXX - primary borrow ( finance was murder and all her money that she just obtained to pay this up came up missing. Notified lender same week. Thats when they advised I can do an extension if I paid 700 and produced a death certificate of the primary borrow ( melynda bown ) could not obtain the document. Kept calling lender to see if there was any other documentation I can provide proving her death. The told me the account was on hold. Had me assuming they are pausing the charge off *involved in accident on XX/XX/XXXX. Reported claim to insurance same day. Insurance company XXXX XXXX XXXX XXXX contemplated total loss all the way up until first week of XXXX. There was a delay in the claim leaving me uncertain about when they will pay the loan. They took 2 months to open and XXXX this case. And there was no valid reason why it took that long they just werent doing their job. My car was charged off in the middle of the claim and in the middle of an exstension / hood amaerican credit promised me that they did not apply to my account. They didnt tell me my account was a charged off until XX/XX/XXXX. 10 days later and when I asked why I wasnt informed so that I can prevent it I was told they did not have to tell me that information. I have no problem with paying the remaining balance but I was not allowed a fair chance to make this right after the primary died. I was doing bad at the time after catching XXXX and getting laid off 30 days. I tried to do everything I can to make things right. Please help me. American credit Acceptance abounded me and my insurance company ( XXXX XXXX ) strung me along for 2 months. Im only disputing the charge off. Yes American credit Acceptance will show u documents but they are not telling the whole truth. Its not fair that companies get to lie like this. I have never filed a credit dispute up until now. This is important because its the truth
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus is reporting inaccurate information on my credit history. I've sent the agencies a Identification driver 's license and recent bill.
Product: Debt collection

Its not mine and didnt agree to the terms of the debt collection have no idea of the account referring too
Product: Money transfer, virtual currency, or money service

I have been defrauded by Coinbase ... 
On XXXX XXXX 2017 I sent them a {$30000.00} wire which five days later I received an email from them stating that the wire would be reversed because it came from my business account and not my personal account. A week after I still had n't received the wire so I sent an email to Coinbase support team and they took exactly one month to respond! The response basically states that due to high volume of outgoing wires, my wire may have been delayed, however, all backlogged wires have since been sent and they are closing my case! As of today I still have not received the wire ... Its been a month and a half! I am not sure what else to do as there is no one to talk to with their company and ZERO support. I am begging you for your assistance. I want to know I did n't lose my {$30000.00}. Please respond, update me, or reverse the wire already as promised! I NEED this money and I NEED IT ASAP! I want to file a lawsuit but not sure which attorney to contact. If you are aware of a pending class action, please let me know. Thank you CFPB!
Product: Mortgage

We have provided documents showing that we have insurance on the property along with copies on a will abd death certificate. Company refuses to accept insurance unless it's in deceased name. Every we call its always " under investigation ''. Yet they have now forced their own insurance on the loan even though they know and have proof it's been insured. We are now paying insurance monthly until they remove it from the escrow. Contemplating a lawyer now and their first advice was to submit a complaint here.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX 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: Checking or savings account

XXXX XXXX two unauthorized transactions were put through my checking account with PNC through XXXX. One transaction for {$750.00} and the other transaction for {$270.00}. I filed a dispute with PNC and it was denied due to previous history. That is a very vague statement and provides me with virtually no information. We have attempted multiple times to opt out of XXXX and have never allowed XXXX to access our account. XXXX should of never had access to our banking accounts in the first place. For PNC to allow XXXX to access our account has left us open to fraud. My husband and I have been customers of PNC for over 30 years. For us to be treated like this is offensive. We would just like our money back. We also believe PNC should be investigated and added to the class action lawsuit for backing XXXX and allowing this to happen.
Product: Credit reporting or other personal consumer reports

Intent to sue documents attached to compliant for incorrectly and inaccurately reporting information on my credit report
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX account ending in XXXX, amount of XXXX $ open XX/XX/XXXX please remove account is charged off and is in violation of 15 U.S.

Code 1601 XXXXXXXX XXXX  account ending in XXXX, amount of {$700.00} opened XX/XX/XXXX also in violation of 15 U.S.

Code 1601 please remove asap
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains inaccurate reporting by XXXX XXXX XXXX. They have incorrectly reported that my payment for XX/XX/2020 was not paid within 30 days of the date that it was due. 
I submitted documentation to the company that shows clearly that the payment was made and the mortgage subsequently sold in XXXX to a new company so XXXX was not to receive the XX/XX/2020 payment. So they should have no rating for the month of XX/XX/2020.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

The following items that I'm disputing are as listed : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
Product: Payday loan, title loan, or personal loan

I had a payment due XX/XX/2018. I was not able to make that payment but spoke with a XXXX at the branch location and told her that I could make the payment the following Friday. She was rude, did not care about whether or not I could make that payment the next Friday and told me they will not accepts any form of payments other than the full amount of the loan. They were not willing to work with me at all whether I wanted to pay on it or not. I had no other options given to me. Then I receive a notice in the mail where Ace cash states I took out the full loan that was originally offered to me of {$880.00} and I turned down because I didnt not need to borrow that much. Therefore I only borrowed {$300.00}. But they are claiming my loan was for the {$880.00} and remainder I owe is {$370.00} I believe. This is fraudulent in regards to stating what I borrowed and what I did not! The way I look at this, if they are not willing to accept payments customers wanted to make and leave them with no choice but not to pay it back, then this loan should be non-void.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit card that went into charge-off status in 2017. This has not been on my credit report in a few years from the original Creditor ( XXXX ) due to the North Carolina Statute of Limitations. Just recently a collection company popped up noting the debt as new and demanding payment. I called and tried to discuss with them, but they refuse to remove this. I have checked with North Carolina law and have been advised that this is absolutely passed the statute of limitations and this creditor is illegally trying to collect and running my credit.
Product: Debt collection

The original debt was a charged off credit card was a credit card opened in XXXX of XXXX and should have been part of a community property debt. The original credit limit was {$500.00}. Sometime at the end of XXXX the Eaton Group purchased the debt and filed a lawsuit. I was never served or notified of this suit and the judgement was entered when courts were closed due to Covid. Looking at the local XXXX XXXX XXXX complaints it appears 100s of judgements were forced at this time. My employer was served a wage garnishment and originally I didnt even know what the debt was. At the time my employer was XXXX XXXXXXXX XXXX XXXX. Between Child support and this Garnishment my final check with XXXX XXXX XXXX XXXX 90 % of my check was taken which exceeds legal limits. I was ultimately laid off from XXXX XXXX XXXX XXXX because of Covid, but began new employment with XXXX XXXX XXXX XXXX. This employer was served the wage garnishment by the Eaton Group. The amount of court costs is constantly increased along with interest. My family court attorney has contacted the Eaton Group as I have and phone calls and correspondence are not responded to in timely manner and the company is unreasonable with their. Collection practices. The Original Judgement was XX/XX/XXXX in the amount of {$3500.00}. To date in XXXX alone my pay check has been garnished {$2100.00} and my previous employer had garnished at least {$800.00}, my attorney has that check stub at the moment and I am in the processes of receiving. Yet my balance owed on this judgement is still {$2900.00}. I have paid over 300 % of the initial amount borrowed in 3 years. The address for The Eaton Group on behalf of XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX. Phone number for the Eaton Group is XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verif these accounts has hurt my ability to obtain credit. 
Under the FCRA, unverified accounts must be removea and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filing a complaint against Cash App ( Block Inc. ) due to in adequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic 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 or other personal consumer reports

I JUST GOT MY CREDIT REPORT ON XX/XX/XXXX I NOTICED SOME ACCOUNTS ON MY REPORT ARE INCOMPLETE AND INACCURATE WHICH IS A VIOLATION OF 15 USC 1681 E ( B ). THEY ALSO VIOLATED 15 USC 1681s 2 ( A ) & ( B ) ,15 USC 1681 ( I ) ( 5 ) ( A ) ( I ) & ( II ). AT THIS POINT I BELIEVE THEY ARE DOING THIS ON PURPOSE, ACCORDING TO 15 USC 1681 ( E ) ( B ) WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.