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

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

i was a victim in the XXXX data breach my information was compromised and showing accounts that was not authorized by me not actions have not be taken from the company which i have disputed several times before
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In  XXXX  of  XXXX  I applied for an apartment. I was informed a debt for  XXXX   XXXX   XXXX  appeared for an amount of  XXXX  $ through ERC debt collection. I have n't had any  XXXX   XXXX   XXXX  services for a good number of years so I assumed it was fraud since it showed it was placed on my credit  XXXX  of  XXXX . Upon talking to  XXXX   XXXX   XXXX , the debt is from  XXXX . It 's  7 years old a nd ERC is attempting to report it as if it were recent. I was never informed via mail of this action and only found out when I nearly became homeless from this credit reporting issue. The situation became extremely stressful as I have  XXXX  kids,  XXXX  of which is  XXXX  and we needed immediate housing.
Product: Credit reporting or other personal consumer reports

I have been forced not to use my credit solely by unethical incompetence adults that handles my credit report at Experian none of my information have been accurate over the last 10 plus years this is unfair unacceptable I have high interest rate on all plus 9 credit cards I have based off this company actions only that failed to keep my information updated within a timely manner month to month as the law requires Dont listen to the lies I asked that this company is fined and flagged with this complaint I want the person that handled all my disputes fired have been in need of a Car since XX/XX/XXXX of XXXX. 

The screenshot are taken today from the app as the the old date is clearly not updated month to month as the law requires The fair credit at law has been broken If you check, my recent inquiries for updated credit, it has been denied based off of Experian credit report and Experian credit report only
Product: Credit card or prepaid card

I received a letter of response that didnt address anything that the complaint was about. I instead received a letter that was basically an untruthful cover the company response. XXXX clearly didnt read the complaint but instead attempted to justify the lies, incorrect information, and false impersonation of your staff. On XX/XX/XXXX I called and gave my social security number so I didnt refuse to give my account number. The issue of an employee misrepresenting themselves as a manger and claiming to call me about a false investigation was never addressed. I have received several calls since XX/XX/2018 so the attempt to use something from XX/XX/2018 is a ridiculous cover up. I have called and asked for months to have the number for Credit Protection! I even had one person  tell me someone will co tact me in regards to it! XXXX the fake manager stated he was investigating the matter as he saw. The refusal and lies need to be properly addressed. I had agents state there was no credit protection and the phone call from XX/XX/XXXX is proof of that.
Product: Debt collection

American express has abused their authority to collect a debt. 1099-C has been furnished to the company for method of discharge as per the arbitration agreement and Per 15 usc 1681604 15usc6802-5 also 16CFR313.2 PER FCRA as a federally protected consumer I have opted out in any authorization of the following communication ( Unwritten, written, verbal, or non verbal ) As per 15USC6802 AMERICAN EXPRESS has shared my information with third party non affiliates.
Product: Payday loan

I obtained {$600.00} from First Virginia Loans in XXXX of XXXX. I have paid monthly and still the balance is {$480.00}. This is highway robbery at it 's finest. They continue to deduct my account on non pay days without any type of notice or warning causing overdraft fees leaving me without money to feed my children monthly right before pay day. They have received additional funds at time and I have paid on a monthly basis. In the beginning they had my paydays incorrect and were changing due dates most likely resulting in additional interest being charged due to their error. I am pretty sure the interest was not adjusted when they had my pay day date incorrect ( which determines your pay back dates ). They are robbing me and are not willing to assist with any settlement options. I need your help to seek settlement options with this company as they have taken over XXXX for a loan of XXXX when does it END!!! They continue to go into my account on different days each month and NOT on pay days. This company is fraud and are loan sharks. Please help. I need validation of the debt and need to see if they adjusted the account when they had my paydays incorrect early part of XXXX. Please I need to see if I can settle, a fair well really not fair but feasible settlement would not be more than XXXX as again they have received almost triple the amount borrowed. Please help me I do not know what to do!!!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear FPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX XXXX XXXX XXXXccount ( Account # XXXX ) on my credit report. This is the third attempt to resolve these inaccuracies. Despite prior disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made. 
The failure to address my concerns appropriately and correct inaccuracies violates my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my account was directly impacted by financial challenges during the XXXX pandemic, as protections outlined under the CARES Act and XXXX U.S.C. XXXX requires leniency for accounts affected by national emergencies. 

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( XXXX U.S.C. XXXX ) : XXXX failed to provide a sufficient description of the investigation process. This is a direct violation of the FCRA, which mandates transparency in dispute investigations. 
XXXX Purposes ( XXXX XXXX. XXXX ( XXXX ) ) : The information on this account does not meet permissible purposes and standards required for accurate reporting. 
Privacy Rights ( XXXX XXXX. XXXX ( XXXX ) ) : The continued presence of inaccurate information infringes on my right to privacy and creates unnecessary financial harm. 
Description of XXXX ( XXXX XXXX. XXXX ( XXXX ) ) : I have not received the required description of the investigation process within 15 days of filing my disputes. 
Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : XXXX has failed to provide accurate disclosures regarding this accounts status, violating TILA guidelines. 
Federal Consumer Protections ( CARES Act ) : This account was directly impacted by the XXXX pandemic, during which financial institutions were required to provide deferments and protections under the CARES Act. 
XXXX XXXX Requested I request the immediate deletion of the inaccurate account information from my credit report. The account has multiple inaccuracies, including : Creditor Name XXXX XXXX XXXX XXXX  Account Number : XXXX High Balance : {$3600.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Status : Closed Payment Status : Payment after charge-off/collection Two-Year Payment History : Inaccuracies for XXXX reported as charge-offs. 
Attachments : Copies of my dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
XXXX and supporting documentation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Citibank had a checking account offer with an intro bonus of {$1500.00} for maintaining over a balance of {$200000.00} for 60 days. I opened the account on XX/XX/XXXX with the offer and kept my balance over the requested limit. A few weeks past 60 days, I tried moving the money out to a higher APY account ( Robinhood ) after verifying with an online agent that the terms had been fulfilled, but a day later the transaction got declined. 

On XX/XX/XXXX XXXX I got an email saying my checking account was going to be closed for suspicious activity. I called the fraud department and tried to escalate through multiple departments that I had only made XXXX deposit and withdrawal to request for my account to stay open. The representatives were unable to provide any assistance. 

I am based in XXXX and will have to fly out to visit the closest physical branch. Can I get help with reversing the closure decision, getting more details, or having some way of withdrawing the money more quickly? I feel it is also unfair they decided to close the account without fulfilling their end of the intro bonus terms.
Product: Debt collection

A debit company ( SOURCE RECEIVABLES MANAGEM ) report a debit for {$850.00} dollars to the credit agencys. according to them the original creditor is XXXX 
I told them over the phone that account doesn't belong to me. They refused to removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XXXX approximately XXXX XXXX  I attempted to log onto my Coinbase account from my laptop computer. The process includes a 2 step verification in which they send your phone an sms message. During the log in the code they provided did not work. I tried to log in again and the same thing happened. I was prompted to change the password. After changing the password I became locked out of both my mobile account and the laptop I was trying to log in with. I then tried contacting coinbase through their chat which seems to be completely automated and run by a robot only. I then tried to call to speak with a person only to find the number is solely for compromised accounts and you still can not talk to an actual person. I then contacted support through an email in which they replied they would look into it. I then had to complete a recovery process. After completing the recovery process I was then told it could take 48-72 hours to reinstate my account. In the world of stocks and crypto that amount of time is unacceptable. I have now  been forced to watch my money plummet well over XXXX dollars with no way to access my portfolio or sell what I do have to prevent further loss. Due to the fact they have blocked me out of my own account all I have are screenshots of where my account was at approximately XXXX XXXX  on XXXX. I have bank record of money invested and if they ever open the account back up I can provide all the transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Attorney Law Office of James R. Vaughan , P.C . and XXXX are engaging in said violations of latter federal statutes. Mr. XXXX and XXXX XXXX filed complaints against said entities who could not provide within 30 days of their notice of alleged debts that Mr. or Mrs. XXXX owed any monies whatsoever. There is no itemized receipt that was produced within the afforded time frame for complaint XXXX that was submitted on XX/XX/XXXX. The company James R. Vaughan which alleged represents XXXX XXXX  responded on XX/XX/XXXX, with no evidence, which is 3 months after the complaint was filed against them. This company James R. Vaughan and XXXX are frauds and are covering up the fact that their client XXXX  made Mr. XXXX and XXXX XXXX credit worse, and charged them money that they paid to XXXX without any real tangible increase in credit. In fact, XXXX owes the XXXX  family fees it collected from them in the thousands, without ever receiving promised increase in credit scores, in fact as stated above, credit scores dropped significantly and remained that way. Thus, given that no tangible results were obtained from XXXX, and the fact that 3 months were taken to respond to the complaint noted at CFPB, Mr. and Mrs. XXXX XXXX  without a doubt are covered under the law that protects consumers from fraudulent collection activity that violates federal statutes described above. XXXX  engages in verbal and written abuse of consumers via phone and email as described in multiple complaints, and now James R. Vaughan continues in this unwarranted harassment. Their claims of debts are invalid and devoid of merit. Therefore, there is no legal validity to James R. Vaughan and XXXX allegations, no debts are owed, and in fact XXXX should return all fees that were paid for services not rendered or obtained. If XXXX is unwilling to return thousands of dollars paid, then they and James r Vaughan need to cease their fraudulent actions, which violate the federal consumer credit laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry was added to my XXXX  credit report on XX/XX/2017. I've called the fraud department at Citizens Bank for this inquiry and they have no record of my name in the system. I was transferred several times, and no one could find my name in their system. However, their company still shows up on my credit report. They " can't '' remove it because they have no data information on me. However, someone accessed my report and their name is listed on it. 7 months later, and the inquiry is still there and Citizens Bank is doing nothing to take care of the issue.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXXBalance : {$0.00}
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to 15 U.S. Code 1681c2 that you the consumer reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of 2 personal credit card accounts. A XXXX XXXX account was opened in XX/XX/XXXX ( ACCT # XXXX ) for {$730.00}. A XXXX XXXX XXXX in XX/XX/XXXX ( ACCT # XXXX ) for {$970.00}. An auto loan in XX/XX/XXXX with XXXX XXXX ( ACCT # XXXX ) for {$12000.00} and a personal loan from XXXX XXXX  in XX/XX/XXXX ( ACCT # XXXX ) in the amount of $ XXXX accounts have resulted in several fraudulent chargeoff accounts being reported to my XXXX XXXX Report. Ive attached a list of all the fraudulent accounts on my credit report. The aforementioned accounts, chargeoffs, that are on my credit report I do not recognize. These accounts werent opened, made or initiated by me. All these accounts are the results of identity theft and fraud. I have attached a copy of the FTC ( IDENTITY THEFT CRIMINAL COMPLAINT ) case # XXXX as proof from the U.S FEDERAL TRADE COMMISSION that all the aforementioned accounts are the results of fraud.
Product: Student loan

Requested refund on XX/XX/2023 for {$40000.00}, which was in the 90 day timeframe and in the timeframe for the COVID refund. We were told it will take 3 months to receive our refund. We waited 4 months and did not receive a refunds, and did not have a change in our loan status. We called and they informed us it was canceled on their end by mistake and the resubmitted the claim since it was an issue on their end. We waited another month and a half and still did not receive anything. We called and we were told it was canceled on their end again and they put in an investigation request and was told to call in a week because their supervisor would look into it. We called XX/XX/XXXX a week later, after a XXXX hour wait we were sent to a prerecorded voice saying they " couldn't hear [ us ] '', and it kept repeating. I have recorded evidence of this. We then recalled and finally connected to someone and was told our inital request was refunded to us and then put directly back into my loans by MOHELA, so MOHELA refunded the loan back to themselves, not me. 
Overall its been 7 months of misinformation and being with-held from money that lawfully should have been refunded. In addition they supposedly took my refunded money and put it back into their loans without my consent. Hours of waiting on the phone only to be directed to an automated voice that says they can't hear me- which leans towards the side of scam like. Keep being told different information or misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I mailed a letter to Transunion dated for XX/XX/18 requesting validation of the accounts reported on my credit bureau. I had the letter notarized and certified. This certified dispute letter was received in their office on XX/XX/2018. As of XX/XX/18, which is the given 30 days time frame for the credit bureau to verify and validate my disputes, I still have not received a response. On XX/XX/18, I sent a letter to Transunion again certified requesting that the items on my report be deleted immediately due to their failure to response. I also sent them a copy of the letter I sent on XX/XX/18 with a copy of the certified receipt stating that they received my request. Now as of XX/XX/18, I have not received a response from Transunion nor have not received an updated report of the items deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Midland Credit Management is Still Reporting Inaccurate and Incorrect information on my Credit Report although I contacted Them Previously on this same Matter. They Deleted Another account for a Lesser Amount but Refuses to Delete this Account # XXXX for {$1700.00} I need this Company to Send another Letter to myself and All Three { 3 } of the Credit Reporting agencies Stating that I Do not have an Contractual Agreement with them and To Delete all Fraudulent Inquiries of my Credit Report I will be Attaching The very First Letter sent out also The Letter they Sent to me Only Deleting the LESSER AMOUNT for {$540.00}
Product: Credit reporting or other personal consumer reports

This company stopped reporting XX/XX/year> yet this company shows up on all XXXX credit reports. 
They are XXXX of XXXX debt companies reporting on my credit reports for payments. This company says this account no longer belongs to them but its being reported unfairly. All XXXX collection companies will not give me accurate information or who owns this account. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

I paid off my XXXX card. They are still not reporting it as paid off in full and closed, despite disputing it with the credit bureaus. They responded back to Experian that there was still a balance when there is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  account has never been late and the balance is XXXX. I even called in the payment in full with my debt card They need to take off the late payment and correct the balance to XXXX.
Product: Checking or savings account

I received an email from Wells Fargo confirming that I made an appointment in another state to open a bank account. Wells Fargo also sent a confirming text message. However, I never made such an appointment or attempted to open a new account. I contacted Wells Fargo and after verifying some information they said it was a phishing email. However, the local branch confirmed that such an appointment was in fact made. In addition, I tested this by creating an appointment through Wells Fargos website and received an email and text from Wells Fargo from the same number indicating I made an appointment. I do not know why an account is being opened without my permission, who attempted to open such an account, and why Wells Fargo improperly informed me that the email addresses were not legitimate email addresses.