23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. " : XXXXXXXX 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: Credit reporting or other personal consumer reports

I found out XXXX was merging with XXXX XXXX. To transfer my mint information, i needed to create a XXXX XXXX account. I tried to do that only to discover an account was already created using my personal information. I reported this to XXXX XXXX and requested them to deactivate my account but they haven't yet done so.
Product: Credit reporting

I disputed unauthorized inquiries with Equifax that were not made by me on my report and I have not heard anything back from them regarding this matter
Product: Money transfer, virtual currency, or money service

At the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. The customer service manager ( XXXX ) has repeatedly, and deliberately submitted the incorrect 10 digit XXXX XXXX Transfer number, in an attempt to block and cause an immediate block and flag on the process of obtaining funds from senders. I have been receiving money transfers for over two years here in XXXX XXXX, and am unable to pick up money sent to me by the sender at this location only. When I contacted XXXX XXXX, they explained to me that. If the 10 digit number is entered incorrectly, it will automatically create a red flag, and receiving the transfer is voided at all XXXX XXXX XXXX. ( XXXX ) The Customer Service Manager, has entered the 10 digit transfer number incorrectly 3 months consecutively. XXXX, XXXX, XXXX, XX/XX/2023 and again XX/XX/2023. I have made several attempts at meeting with XXXX XXXX the store manager, but ( XXXX ) and several other members of the XXXX team has made it impossible for me to meet with her. Give one excuse after the other. I personally believe after further investigation on XX/XX/2023 that ( XXXX ) is deliberately deactivating XXXX XXXX transfers by entering in the incorrect numbers, which will result in the inability to receive funds by all XXXX American Customers or specifically ME!! an XXXX  XXXX. This is a clear case of discrimination and is not fair to the XXXX and XXXX consumers in this community. The process of getting the XXXX XXXX account reactivated is a lengthy stressful situation that could be avoided by entering in the correct number. Being promoted to Customer Service Manager comes with a certain level of accuracy and attention to detail. That is why I'm certain she would not be in a position of leadership with the level of mistakes made and are being made over a period of 3 months. This is not a mistake but a pattern of discrimination against XXXX XXXX customers at this location. The full scale of discrimination is not just XXXX  people but XXXX as a whole, which is sad to say the least.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted a dispute inquiry to TransUnion LLC to question the legitimacy of two accounts listed as collections from a collecting agency named XXXX XXXX XXXXXXXX. In my inquiry, I requested copies of the documentation or signed agreements with the original creditor. 

I did not receive correspondence from TransUnion LLC until XX/XX/2024, which included an investigation results report dated XX/XX/2024, with file number XXXXover 30 days from the postmark date of my original request. In the investigation results, TransUnion LLC stated that they verified the information on my report to be accurate and updated. However, they did not provide any evidence of legitimacy nor explained the means by which the information was validated. 

Despite their inability to provide evidence of legitimacy within 30 days, this collection item has not been removed from my credit report.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX  I tried depositing {$1500.00} all in XXXX at the Wells Fargo in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  at their atm The machine ate my money, reset, black screen. No receipt, no money back out, and not reflected on my account. Please Wells Fargo provide me a provisional credit while you investigate this,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

Was told on my denial letter that my social security number " was associated with too many identities ''
Product: Credit card or prepaid card

Debit card was used at a Casino on XX/XX/XXXX for {$590.00} and then at Chase Bank in XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX at XXXX XX/XX/XXXX for {$980.00}. I was in XXXX at the time and called immediately Chase fraud when the charges came as an alert on my phone. I asked to block charges and they said it will be done. Next day the chars were posted. I submitted a dispute with documentation that showed I was in XXXX, XX/XX/XXXXat the time of the charges. A detective has been assigned and is investigation as they will press charges against that person. 

I received refund for the {$500.00} for the XXXX XXXX fraud, but never for the {$980.00}. A police complaint was filed with the XXXX Police Dept. Chase escalated to Executive office and indicated that card had chip and pin thus it could not have been fraud. I am trying to get video which Chase refuses to provide. I never received anything in writing from Chase only a call. 

This was clearly fraud and Chase refuses to help in any way
Product: Vehicle loan or lease

On XX/XX/year> I contacted a car company through XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with questions about a car for lease. They immediately began harrassing me with multiple texts and phone calls and began checking my credit to see if I was approved, though I said I was simply looking and asking questions. They did not stop contacting me even after I expressed hesitation, and continued to run multiple credit checks/hard inquiries without my knowledge : 5 ( five ) in total. I declined their offer and they are still harassing me through text and email as of XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently notified by Experian credit reporting XXXX that an account was added to my credit profile. I did not open the account. I have not applied for or received a credit card from XXXX XXXX. I have have not approved any opening of a credit card from this company. All other legitimate creditors have a way to contact them via telephone on my credit report, this company does not. It only has a XXXX XXXX XXXX. I am disputing the validity of this credit card account. Experian has replied to my dispute with them, as reinvestigated and verified, but how? They never communicated with me about the account. They are not providing me proof that I opened the account. Am I just supposed to accept that this account is my account when I know nothing about this company? I have never received anything telling me that the account is open and that I have a credit card with a certain credit limit?
Product: Debt collection

I recently have a fraud alert on all three credit reports. I have had my identity stolen by my XXXX in which I have reported it to the police. This account was opened and used by my XXXX  whom I am currently divorced from. I have re-married and this is causing a lot of problems along with some other fraudulent credit cards that were opened in my name. Please have this account removed asap. Thanks! I put in for a dispute about this some months ago and nothing has yet to be removed. According to 15 USC 1692c ( c ), this account must be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/2015, my credit report is showing where I had an inquiry for a home loan with Funding Suite . I did not authorize this company to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies obtained my report without my consent or knowledge XXXX ) XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; ( 2 ) In accordance with written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave XXXX, XXXX, nor XXXX any written consent to report anything on my credit report. No consent is IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

Experian election has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against experience, alleging, systemic issues such as failing to forward. Consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian right now has neither corrected nor removed disputed items disputed the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction action to removed or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XXXX XXXX i realized my bank account was completely wiped out. I had XXXX in my checkings account. My bank card was linked to my XXXX and all of my money was transferred to XXXX  to someone i do not know. I immediately called my bank, Wells Fargo, and submitted a fraud/scam claim. I was told by a representative that my funds would be reimbursed. I was later denied my claim and I have been calling for days trying to get an explanation. Representatives have been giving me the runaround. I believe my XXXX account was hacked into and I have been trying to express that to my bank. No one is willing to help me get my funds back at all. I even contacted XXXX XXXX support team. They also denied my claim. This was all of the money that I had to my name and I am very upset because I have never been scammed before, and the bank that I have been with since 2019 is not willing to help me get it back. I have filed a police report against the person who received my money on XXXX XXXX. Please help me get at least some of my money back. I am not able to provide for myself or my child.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Dispute of Inaccurate Information on My Consumer Report Dear Sir/Madam, I am writing to formally dispute the inclusion of certain accounts in my consumer report, which I believe to be in violation of my rights under the provisions of 15 USC 1681b and 15 USC 1681c-2 . The accounts in question should not be furnished on my consumer report for the following reasons : Violation of 15 USC 1681b - Permissible Purpose of Consumer Report : Under 15 USC 1681b ( a ) ( 2 ), it is specified that a consumer reporting agency may furnish a consumer report only in accordance with the written instruction of the consumer to whom it relates. I wish to emphasize that I have never provided any written consent to any consumer reporting agency to report the information associated with the accounts in question in my consumer report. This constitutes a clear violation of my rights as a consumer.

Alleged Identity Theft and 15 USC 1681c-2 : I have reason to believe that the accounts listed on my consumer report may be a result of alleged identity theft. Pursuant to 15 USC 1681c-2 , a consumer reporting agency is required to block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have already taken appropriate action by filing an Identity Theft Report with the Federal Trade Commission ( FTC ) and have been assigned a reference number for my case. 

Considering the above, I kindly request the immediate deletion of the following accounts from my consumer report within the statutory time frame as required by law. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account name : LAW OFFICES XXXX Account number : XXXX ( UNAUTHORIZED INQUIRY ) XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ( UNAUTHORIZED ADDRESS ) 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

In anticipation for Hurricane Irma to hit our community and to have the cash needed to make repairs and make payroll we liquidated our Coinbase accounts ( four transactions on the same day totaling to approximately just over {$6300.00} ) on XX/XX/XXXX with a delivery date provided by Coinbase of XX/XX/XXXX. 

The account has been verified by Coinbase for months had same day debits from Coinbase when making purchases in the past as recently as XX/XX/XXXX, yet Coinbase has not been able to deliver a credit for over a week. 

As the money was not there on XX/XX/XXXX, support tickets were opened with Coinbase, messages were sent via XXXX to the payment support team, and private messages were sent to moderators on the Coinbase subreddit who are marked as Coinbase employees. 

The transaction history within Coinbase shows an ACH transfer date of XX/XX/XXXX. Reaching out to XXXX XXXX XXXX they have zero record on their end of any transaction processing. Having worked as XXXX on the data acquisition team for XXXX ( XXXX XXXX XXXX XXXX ), there is a familiarity with the ACH process and transfer times. Coinbase 's timeline appears to yield discrepancies in regards to generally accepted processing times. 

Coinbase 's response has been a single email of " ... we are aware of the issue ''. Looking to support forums for help this appears to be a recent issue with Coinbase, which could indicate a liquidity crunch.
Product: Debt collection

I sent a debt verification latter to Account Resolution Service twice. One in XXXX and the other one on XX/XX/XXXX. Each time the company have failed to validate my debt. Instead they send a list of my medical record which I know is a direct violation my HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX  XXXX XXXX XXXX XXXX. 
XXXX XXXX, NV XXXX RE Account # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I owe your company $ {$1900.00} and This is a formal notice that your erroneous claims are now disputed. This debt is over 7 years old and was already disputed and removed from my report as inaccurate. I am providing the details to this dispute with this letter. 

Since you are illegally reporting against me on my Experian credit report after the 7 year mark and after a won dispute where in XX/XX/2014 I certified the letter I am attaching and you did not respond and then it was removed from my spouse and my reports. 

This account used to be in collections and what you have habitually done is to switch the debt from my spouse and Is reports, then shuffle it between a closed account and a collection account. This is a blatant attempt to fraud me and my wife and a direct violation of the FDCPA/FTC/FCRA. You have dragged the bureaus into your fraud and now they are just as responsible as you are for the violations. 

You never provided me or my wife or the bureaus with any adequate proof of ownership of this alleged debt, and now it is way past the statue. I dont even need you to prove it is mine as I know it is not and I have hard proof of your fradulent and predatory acts. 

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 


Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you are erroneously reporting the debt after 7 years, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

The outcome of this letter may result in small claims legal action against your company and Expierian, XXXX and XXXX, at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Fraudulent acts Lies and predatory behavior upon a consumer Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a demand only, not an argument of ownership, you will remove the negative marks in 5 days or I will take legal action against you. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all 3 major credit companies dispute letters for some time now and i have even sent them certified.Yet and still there has been no response as to removing the negative items from my credit report.