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

SEE ATTACHED Subject : Formal Dispute Regarding Credit Reporting Inaccuracies and Reference to CFPB Complaint To Whom It May Concern, I am writing to formally dispute inaccuracies on my credit report maintained by XXXX. This letter also serves as notice that I am referencing relevant complaints filed with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX 's compliance with federal credit reporting regulations under the Fair Credit Reporting Act ( FCRA ). 

I have identified the following discrepancies on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inaccuracies violate my rights under the FCRA, which mandates the accuracy and fairness of consumer reports. I am also concerned about XXXX 's processes regarding timely investigation and correction of reported inaccuracies, as indicated in recent CFPB actions against XXXX. 

Attached to this letter, I am providing the following documentation to support my dispute : - A copy of my identification ( e.g., drivers license or utility bill for verification ). 
- Supporting documents regarding the disputed accounts ( e.g., bank statements, correspondence, or account closures ). 
- A copy of the specific credit report containing the errors, with inaccuracies highlighted. 

I request that Transunion : 1. Investigate these inaccuracies in accordance with 15 U.S.C. 1681i of the FCRA.

2. Provide a written response within 30 days outlining the investigation 's outcome.

3. Send me a corrected copy of my credit report if the inaccuracies are verified and rectified.

Should you fail to investigate or correct these inaccuracies, I am prepared to escalate this issue through additional complaints to the CFPB and, if necessary, initiate legal proceedings to ensure my rights are protected.

Please confirm receipt of this letter and all attachments within five business days. I look forward to your timely resolution of this matter.

Thank you for your attention to this urgent issue
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account is being reported although I have advised Experian this is a fraudulent account that are being listed. I have also filed an FTC report on behalf of the XXXX  accounts listed on my report. 

XXXX XXXX ( XXXX XXXX ) is also still being listed on my XXXX although I have disputed this information several times as a fraudulent account. 

XXXX  Account numbers : XXXX, XXXX XXXX XXXX  Account Number : XXXX XXXX
Product: Credit card or prepaid card

This complaint is regarding Capital One credit card XXXX XXXX XXXX, XXXX XXXXXXXX An XXXX XXXX  was purchased from XXXX  on XX/XX/2021 for {$180.00} The watch could not be paired with an XXXX and required an XXXX XXXX to function ( was not clearly stated by the manufactuer ). XXXX via XXXX courier and receipt of the returned item was confirmed by XXXX but refiund was not issued without explanation. Subsequently I have sought Capital One card member service to initiate a dispute case ( Case Number : XXXX ) On XX/XX/2021 Cpaital One credit card has notified me that they could not assist with the dispute stating that the merchant 's good
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>, 2024, and several other times, I initiated a dispute concerning inaccuracies found on my credit report. This was my first communication regarding the issue, and I sent letters to all relevant credit reporting agencies to raise my concerns. 

Upon receiving responses from the credit bureaus, I learned that LexisNexis was identified as the furnisher of the disputed information. How I dont have a clue due to permissible purpose and no written consent. However, when I contacted LexisNexis for clarification, they stated that the court system was the actual furnisher of the information in question. 

To further investigate, I reached out to the court system directly, only to find that they confirmed they do not furnish any information to LexisNexis. This contradiction suggests that there is misinformation in the reporting process, leading me to believe there is a breakdown in accountability. 

As a result, I am requesting that the inaccurate information account or affiliated with it as listed ( Chapter 7 bankruptcy case # XXXX ) be deleted from my credit report immediately, as I have attached proof supporting my claims. This situation raises serious concerns about civil noncompliance and civil neglect regarding the handling of my dispute under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX.
Product: Money transfer, virtual currency, or money service

Hi, I 'd like to file a complaint against the following company : Coinbase , Inc . 
XXXX XXXX California United States I have the following trading account username that I 've been using for trading with Coinbase / XXXX ( XXXX is owned by Coinbase ) : XXXXXXXXXXXX I have attempted to withdraw my money out of Coinbase using the XXXX withdrawal method on the following 2 days ( 2 separate transactions ) : 1st transaction : XXXX ofXX/XX/XXXXXXXX XXXX : XXXX -Withdrawal reference : XXXX -ETA of supposed transaction arrival into my bank account ( quoting an e-mail confirmation from Coinbase ) : " XXXX will arrive in your bank account by XX/XX/XXXX. '' 2nd transaction : -XX/XX/XXXX of XX/XX/XXXX -sum : XXXX -Withdrawal reference : XXXX -ETA of supposed transaction arrival into my bank account ( quoting an e-mail confirmation from Coinbase ) : " XXXX will arrive in your bank account byXX/XX/XXXX. '' None of the 2 transactions have been processed so far, i.e. nothing has arrived into my bank account and I 'm missing the funds worth of XXXX ( EUR ). Hence they are already overdue for many days with these transfers ( from a XXXX law, the XXXX transaction needs to be processed within 2 business days XXXX. 

I should say that the previous XXXX withdrawals preceding these 2 transfers have been processed on time ( crediting my account no later than the 2nd business day ). 

I have logged a support case with Coinbase on the XXXX of XXXX with the following ID : Case ID : XXXX. However, I must say that the company owing me my money has not been very cooperative and I have not received any response as to when should the money be credited to my bank account. I tried to phone their customer center but it 's nearly impossible to get an answer from anyone ( was on the waiting line for more than an hour so I dropped out ). I even tried to get in touch via XXXX accounts dedicated to Coinbase support, still no luck. 

I need to point out that there have been numerous other cases from all the other different people that have been having issues with their XXXX withdrawals from Coinbase. So I 'm not the only one. 

I 'm attaching the following : 1 ) e-mail confirmation from Coinbase re. my 1st XXXX withdrawal transaction : XXXX XXXX ) e-mail confirmation from Coinbase re. my 2nd XXXX withdrawal transaction : XXXX XXXX ) Screenshot from the Coinbase web-portal confirming that those 2 last transactions are in PENDING state on their side, i.e. they have not been processed ( note the previous transactions as COMPLETED - they have been credited to my account, so no issues with the previous ones ) : Coinbase_screenshot.png ( Date of making this screenshot : XXXX oXX/XX/XXXX ) Please help me in resolving this issue. 

Thank you, Regards, XXXX.
Product: Student loan

My wife ( XXXX XXXX ) and I were advised by our service in 2006 to do a spousal consolidation loan. This was a mere three months before the FFELP program was discontinued by the Dept of Ed. 

We have been working to repay our loans since then, going in and out of forbearance. However three years ago we discovered, through working with a student loan attorney, that out FFELP loans are in a legal limbo. They are ineligible for IBR, PSLF, or any potential loan forgiveness programs. This is because when the FFELP program was discontinued, no legal options were legislated for those of us still holding these loans.

The FFELP constitutes around 80 % of our total student loan debt. My wife and I have both XXXX XXXX XXXX XXXX XXXX for 10+ years, but the FFELP loans can not be forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account : XXXX has been paid and closed since 2015 but on my report, this is still showing that it is 30 days. How can this be? This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed IMMEDIATELY! 
XXXXXXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$0.00}
Product: Debt collection

None of the options offered on the last page matched my problem. First of all I never once received a written notice of this debt before it was reported to the credit bureaus. Northern Services bureau agreed to remove my delinquency completely from my credit report if I paid there settlement amount in full by XX/XX/2020. I did pay the full amount of the agreed upon settlement amount of {$620.00} before or on that date. After I paid the full payment they didn't remove the items from my credit report and instead added more individual paid debts from the past to my credit report out of nowhere. They lied or distorted the truth of our agreement. This has been a significant burden to me during a worldwide pandemic. When I contacted them they would not resolve anything without me giving them my new phone number but I refused. We resolved the original agreement over email. There is no reason they can't do this over email as well. They have decided to destroy my credit during the middle of a pandemic instead of just sending a written bill before going to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX FD Date of inquiry : XX/XX/2022 Delete this account. 
2. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Delete this account. 
3. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/2022 Delete this account. 
4. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
7. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/2022 Delete this account. 
8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX and Experian are not showing that my student loan balance is XXXX. When reaching out to both credit reporting agencies, I was informed that XXXX is not responding to either credit reporting agency.
Product: Debt collection

I have no knowledge of this account. My identity was stolen in 2021
Product: Debt collection

I sent the fraud packet that was sent over to me by a collection agency with all fo the information the company was collect and asking me for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX got a copy of my report I don't recognize. And also Discover financial services got a copy of my credit report. I don't recognize.
Product: Vehicle loan or lease

Despite repeated written requests for statements for my auto loan be mailed to me. According to XXXX in Collections at USAA as of XXXX-17 my account was still set up for online bill delivery, which USAA has restricted my online access, preventing me from viewing my statement and paying my bill. The paperwork I have received regarding this auto loan are late statements, with no account information or payment stub to submit payment. Yet I was assessed, late fees and if I had not called into USAA collections to make a payment my credit would have been negatively impacted despite USAA 's failure to comply with the fair billing act. Furthermore, all of my remaining external bank accounts according to the USAA agent were restricted and not allowed to be used to make payments. So, I was left with no billing stub to submit payment, and no means to electronically make the payment and with no account statement depicting the balance, interest or status of the account.
Product: Debt collection

I cancelled my XXXX XXXX XXXX internet utility service after moving in XX/XX/XXXX. I had been renting a router, and per their instructions upon cancelling returned the router to them by bringing it to a XXXX store to be mailed. I received confirmation of my account cancellation, with a {$0.00} balance after final billing. 

Several months later, I received a bill from XXXX XXXX XXXX for approximately {$300.00}, attempting to charge me for equipment not returned. I spoke via online chat to their customer service, and received confirmation that this charge was in error, and would be removed from my account. I have a chat transcript and reference number as proof of this. 

Months after the first interaction, a collections agency contacted me looking for the same ~ {$300.00} amount, which had apparently not been scrubbed from my account, and sent to collections. Again, I went to speak with XXXX XXXX XXXX service, clarified the mistake, and was assured that the charge would be removed. 

Today ( XXXX XX/XX/XXXX ), I received a letter from XXXX XXXX XXXX   notifying me that they are attempting to collect a debt of {$340.00}. The letter states that this is from my XXXX XXXX XXXX account. I spoke to AT & T service again, and was referred to their collection/financial team, which stated that because the billing system was automatic, they could not do anything about the amount being sent to a third-party collection service. 

I returned my equipment almost a year ago, and have been repeatedly sent to collections, which threatens my credit score. How can I resolve this?
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm ( s ).
Product: Vehicle loan or lease

My XXXX XXXX was repossessed on XX/XX/XXXX with out any notice from Flagship. I never got any notification in writing, with emails, or by phone. When they did call they did not leave a message. My husband is on the loan as a co-signer and he was not notified either. When I go onto my online account it says nothing about it being repossessed and or having to make a payment by a certain date. It states that I have until XX/XX/XXXX to make a payment. So now I am left with out a vehicle and no way to work or to get anywhere.
Product: Checking or savings account

Approximately 4 months ago I was suddenly unable to access my online or mobile checking account at Regions Bank. I have had the account for over 50 years. Since then I have called Regions at least 10 times without success. The attached letter will give detailed information.
Product: Checking or savings account

I need to dispute XXXX charges on my account made with my debit card because the seller never sent the items, I tried to contact the bank to the number provided XXXX in XXXX different days at different times waiting more than one hour and a half each call and nobody answered, also I requested trough the chat a fax number or email to send the dispute but they denied that information. 
Need to dispute this charges : XXXX DEBIT CARD PURCHASE AT XXXX {$47000.00} ( WAS A TABLET ) XXXX DEBIT CARD PURCHASE AT XXXX {$53000.00} ( WAS A TABLET ) XXXX DEBIT CARD PURCHASE AT XXXX {$53000.00} ( WAS A TABLET ) XXXX DEBIT CARD PURCHASE AT XXXX {$64000.00} ( WAS A SMARTPHONE ) XXXX DEBIT CARD PURCHASE AT XXXX {$64000.00} ( WAS A SMARTPHONE ) All those purchases must be delivered before XXXX and didnt arrived, I tried to contact the merchant many times but they never respond.
Product: Credit reporting or other personal consumer reports

The inclusion of false and inaccurate information on my credit report has caused significant distress and hardship. This has resulted in my inability to secure housing and access essential services for which I rely on my credit. As a consequence, I have endured severe humiliation, embarrassment, emotional distress, and physical discomfort
Product: Credit reporting or other personal consumer reports

XXXX HAS NEGLECTED NUMEROUS OF TIMES TO REMOVE NUMEROUS OF INQUIRES THAT DO NOT BELONG TO ME. I HAVE CALLED NUMEROUS OF TIMES AND WHEN I FINALLY MADE IT THROUGH TO SPEAK WITH SOMEONE I WAS HUNG UP ON. I AM WELL AWARE THAT IT IS XXXX JOB IS TO REPORT 100 % ACCURATE INFORMATION WHICH THEY ARE NOT. I AM ALSO WARE THAT MY RIGHTS UNDER THE FCR ARE BEING VIOLATED WITH THESE INQUIRES. I HAVE FILED A FTC REPORT AND NEXT I WLL SEEK REMEDY THROUGH COURT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got XXXX  in XX/XX/XXXX in XXXX County Maryland for XXXX XXXX XXXX XXXX ( XXXX  ) after my XXXX  I got XXXX  to 3 days in XXXX County XXXX  XX/XX/XXXX-XX/XX/XXXX. Upon my medical evaluation entering XXXX the doctor said " you lost a lot of weight '' Ends up there is another gentleman with the exact same social security number and birthday in Maryland. I did two background checks for new employment ( Accurate ) They got this other gentleman 's charges in XX/XX/XXXX incorporated with mine. It took Accurate 10 days to try to figure it out and they still screwed it up. Needless to say I didn't get the job. I need help fixing this so I can get a Job. Thank you.
Product: Credit card

I had a Macy 's ( Department Store ) credit card for several years. I had setup autopay on the due date and it seemed to work perfectly well. My last purchase was around XX/XX/XXXX. For some reason, possibly due to technical issues in the website or possible them changing the service provider, I got billed late charges of {$39.00} every month from XX/XX/XXXX to XX/XX/XXXX. I spoke to their customer service in XX/XX/XXXX and they said they will provide me credit of the late charges from XX/XX/XXXX. However, I received only 5 month of credit of late charges. I require a total of the XXXX or XXXX months of credit of late charges
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately :
Product: Bank account or service

BB and T returned a {$400.00} check presented on a day a monthly electronic deposit of {$500.00} went into my account. My bank statement does not identify the returned item and states " XXXX items '' were returned. They provided no explanation for the return and charge my account a {$36.00} fee. Sent the bank an internal inquiry and they did not respond.
Product: Payday loan, title loan, or personal loan

One main financial made me add life insurance to the allege account. TILA was not disclosed in terms of the sum of all things should be included. One main financial willfully and knowing violated me. Privacy was violated as well, it was not disclosed that I could opt out. My privacy was violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing that Experian has been reporting an inaccurate, Incomplete account on my credit report. Experian refuses to adhere to federal laws. 

Account under the name : XXXX XXXX XXXX XXXX Account must be deleted for reporting inaccurate payment history, inaccurate name and address on file. incomplete balance owed. Experian currently reports a payment history on a closed charged -off account a clear violation of FCRA rules Account must be deleted for continuously reporting incomplete information on my credit report. 

Last date of payment incomplete or inaccurate ; a violation of FCRA rules Inaccurate name and address on account. a violation of FCRA rules. 

Inaccurate date of last activity, a violation of Federal law
Product: Debt collection

Agreed on a settlement. Once completed instead of updating my account or removing the debt they brought it current and insist that I still owe them funds when I do not. I have reported it to the credit beaus and the company itself along with sending my full payment receipts and they all have denied it. I go to look up the debt on the website and it now says my account isn't even found.
Product: Credit card or prepaid card

I continue to dispute unauthorized fraud charges after I called nearly 4 hours after 3 unauthorized fraudulent charges that were charged on a credit card around XXXX XXXX  XXXX on XX/XX/XXXX. Two of the three charges have come back on my credit card as of XXXX and I continue to declare in written legible documentation, many examples of proof and over the phone and email that these charges are unauthorized and fraudulent. 
Despite stating on a phone call to the customer Fraud line to resend the information because the first set of compelling evidence shared by Chase that the documents are illegible and requesting for readable documentation, Chase has failed for the second time to provide any proper documentation that is legible. They said this is only way they would disclose information to us as to why this is not being marked as fraud after I reported the fraud on XX/XX/XXXX and received new credit cards. I am concerned and led to believe that since this is now 2 times in a row that Chase has failed to provide legible documentation that they are withholding information from me and are noncompliant in my dispute as they have failed to provide proper legible documentation. 

I am exhausting myself and my resources to work with Chase and now time and time again Chase is not cooperating with me since they have continued to provide illegible documentation.