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

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX  XXXX XXXX, XXXX   XXXX
Product: Credit card

Bank of America - VISA A BoA customer used his VISA card to purchase online services from me. 
He subscribed to 6 Fast Feed Accounts ( valued at XXXX USD per account ). Customer therefore had 6 active subscriptions starting from XXXX XX/XX/2023 until XXXX XX/XX/2023. 

Customer then contacted his bank and filed a 10.4 complaint, saying that he didnt make these purchases himself. BoA filed a dispute using the XXXX XXXX with my merchant XXXX. This system is completely inadequate and as such, I was unable to provide " compelling evidence '' to BoA as this requires the upload of the chat transcript I had with the customer. 

I have such compelling evidence as customer, who identified himself previously in XXXX chat, provided his email address ( which he uses to make online payment for the last 5 years according to XXXX XXXX XXXX ). 

I called BOA and attempted to contact XXXX XXXX, the agent that is supposedly handling these 4 dispute-cases against my company to no avail. The number she left in the dispute section leads to BOA, however, they refuse to redirect my call to XXXX XXXX. I explained what had transpired to an agent, and she told me that the only way for me to update the case is through their online system, which I no longer can access as my section of evidence provisioning is closed. There is as such, no further way to reach BoA to provide compelling evidence and as such, I am standing to lose XXXX USD, simply because BoA 's inept evidence provisioning system or the inability for such a bank to provide direct dial through ways to get in contact with a human to explain and provide evidence. 

As such, BoA is an accessory to commit fraud because it is impossible to update these types of cases with sufficient evidence without the ability to upload and foremost UPDATE cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested, via certified mail, that Experian and XXXX remove all old address from my credit report. There are up to nine ( 9 ) addresses that are being reported that are untrue. My correct and only address is XXXX XXXX XXXX XXXX XXXX FL XXXX.Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office , and they are not re-portable as per the FCRA, since they are inaccurate.
Product: Money transfer, virtual currency, or money service

on XX/XX/2021 I sent a wrong crypto currency to my coinbase account. I meant to send XXXX from my XXXX XXXX  account, but instead sent XXXX XXXX  XXXX. I sent {$3700.00} worth of XXXXXXXX  ( {$3600.00} XXXX after fees. I then saw my mistake and searched for ways to recover this money. It is not a complicated process at all is what I gathered from research, the only problem is Coinbase. They refuse to help customers when a customer accidentally sends their crypto currency to their addresses. In fact, they do not respond to customer service requests period it seems. I've read lots of forums with people stating that Coinbase will simply reply to customer service requests by suggesting they look at the FAQ page of Coinbase or they just have an automated response, which will never provide answers customers are looking for. I have submitted requests to coinbase before, but they have never answered. Their website implies that Crypto Currencies sent to the wrong address can not be recovered, yet they also have a blog that states they will are working to be able to recover them eventually but they give no information as to what tokens we can expect to be recoverable, or how to request tokens a customer may want to recover.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024, and noticed some things are incomplete and not accurate, and according to the fair credit reporting act 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. This account XXXX XXXX XXXX is not complete and accurate XXXX XXXX XXXX open date is not reporting correctly and date last active, this account is not accurate.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute a charge-off account reported on my credit reports by TRANSUNION, violating the Fair Credit Reporting Act ( FCRA ). I request an investigation and removal of the inaccurate information. 

Account Information : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX Date of Alleged Default : XX/XX/year> Dispute : The charge-off account is inaccurate and violates the following FCRA sections : - 15 U.S.C. 1681e ( a ) - Information shall be accurate : The account status is inaccurate. 
- 15 U.S.C. 1681e ( b ) - Duty to correct and update information : The creditor failed to update the account status after payment/full satisfaction.

- 15 U.S.C. 1681i ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute, leading to continued reporting of inaccurate information.

- 15 U.S.C. 1681s-2 ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute.

- 15 U.S.C. 1681c ( a ) ( 1 ) - Inaccurate information shall be deleted : The charge-off account is inaccurate and shall be deleted. 

Specifically, I dispute : - The account status as " charge-off '' has been remove from my credit report. 

Request : I request the CFPB to : 1. Investigate this matter and require the creditor to correct the inaccurate information.

2. Remove the charge-off account from my credit reports.

3. Remove any negative marks associated with the disputed account. 

Supporting Documentation : I have attached copies of : - My credit reports showing the inaccurate information. 
- Driver License - Social Security -Proof of Residence Please investigate and take appropriate action to correct the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my XXXX XXXX The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I don't recognize these queries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax I don't recognize these late payment, I paid it before was closed XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Wells Fargo put Gap insurance on our car back in 2013 even though we have always had car insurance on both vehicles ( We have had XXXX XXXX and XXXX, XXXX and back to XXXX ). We've always had the required insurance coverage needed by law with Wells Fargo as the lien holder. provider XXXX They put it through XXXX for a 2nd time XX/XX/2013 even though I would always confirm with the insurance company that Wells Fargo and our other loan had the policy information. They tell you to fax it to Wells Fargo Dealer Services Auto Insurance or mail it to XXXX XXXX XXXX XXXX, Pa XXXX I believe they never deducted the amount from my loan that was added in error.
Product: Debt collection

Okay so i ended up going to court for this matter last year, between XXXX and XXXX of last year. The judge dismissed the case because the lawyer didn't appear at the final hearing. The judge also stated that they could sue me XXXX more time for this matter. I had received numerous letters by a debt collection agency harassing me and threatening to sue me. This is unethical and I am not responsible for the debt. I just recently got a XXXX warrant in debt letter to appear in court on XX/XX/year> to fight this.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX beureu consumer report and I noticed inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$320.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$670.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

MY NAME IS XXXX XXXX XXXX. My family was diagnosed with the coronavirus I booked an XXXX  a couple of days before they tested positive as soon as I realize they tested positive for XXXX I had to cancel the reservation and now they wont give me a refund it really shows you how discover doesnt care about their customers and I want everybody to know that after this resolution is done with Im done banking with discover and will tell everybody I know to never bank with or have a credit card with them and if they do they better close it and the same goes for XXXX. 
They had the nerve to tell me the reason I couldnt get a refund is because if the people are traveling with me they cant grant a refund first off my sisters suffer from XXXX. I can not travel with them alone and you think they cared when I said that? Nope discover didnt either
Product: Student loan

I have about {$40000.00} total in private loans through Sallie Mae. My interest rates range from 9.125 % -9.875 % ( averaging to about 9.5 % ) among the XXXX loans, resulting in payments of $ XXXX/month. Unfortunately, I only make XXXX a year as a XXXX and I also have federal loan payments to make along with rent and insurance, so {$550.00} a month is pretty unmanageable. This issue with Sallie Mae is that I brought this information to their attention and tried to get them to work with me in some way, but they stone walled me at every turn saying they can not do anything for me, except a 0.25 % decrease by signing up for auto-pay. I asked if I could be transferred to another department ( collections ) and they stated that they can not transfer me and I ca n't even speak with collections " until my account is delinquent ''. I even tried to extend the length of my payment period, but again I was met with a firm and absolute " no ''. I have attempted to refinance my loans through other agencies, but my debt/income ratio is too high, so I am essentially stuck with Sallie Mae and their bullying. Overall, I am between a rock and a hard place in that Sallie Mae has backed me into a corner and wo n't budge unless I become delinquent resulting in late fee buildup, interest accruing on the loans, and sacrificing my credit score. Even if I do become delinquent I have no reason to believe Sallie Mae will do anything other than destroy my credit score and assess fees to tack onto my already difficult payments.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX reopened a previously closed credit card account that was officially closed in XX/XX/scrub> 2022 when I filed for XX/XX/XXXXXX/XX/XXXXI am still in active XX/XX/XXXXbankruptcy by the way My lawyer included it in the list of unsecured creditors and they did receive notice XXXX years ago. As of XX/XX/XXXX to the XXXX, theres been XXXX remarks added to my Equifax credit report of XXXXXX/XX/XXXX being opened as a new account and we remove my list of closed accounts due to my XX/XX/XXXXpetition. So XX/XX/XXXX has falsely reopened a closed credit card account that was closed XXXX years ago in my XX/XX/XXXXXX/XX/XXXXIve tried working this out them and communicating with them. They said they would look into it but now I even have another remark and its official now on my Equifax that the XX/XX/XXXX account is officially reopened. Please contact my paralegal for proof of XX/XX/XXXXand that XX/XX/XXXX was closed XXXX years ago at XXXX XXXX XXXX. XXXX. Im Asking Equifax to remove these false remarks put on my Equifax credit report from XX/XX/XXXX saying that they opened up a new account while they know that I am an active XX/XX/XXXXand they know that their account was closed XXXX years ago. So please Equifax contactXX/XX/XXXX at XXXX XXXX XXXX to have them remove these false new account opened remarks on my credit report.
Product: Debt collection

Every time we dispute with the collection agency and they remove the collection that has already been paid, they sell it to another collection agency that then adds it as a new collection on our credit report, damaging our credit. The bill was originally owed to XXXX more than 8 years ago, and we paid this debt off the end of XXXX. It is now showing up again as a new debt on XX/XX/XXXX with ERC. This is now affecting our ability to buy a home and receive a good interest rate. It is currently only reporting under XXXX.
Product: Mortgage

On XXXX/XXXX/19, we received a letter that our taxes were going up from {$5500.00} total to over $ 9,000/year. On the escrow statement, it appears they added the {$5500.00} from XXXX 2019 statement which included school and property taxes to the school taxes they just paid in XXXX, which were {$3800.00}. We bought the house in XXXX. I called the XXXX XXXX XXXX XXXX on XXXX/XXXX/19 and confirmed that my taxes are only supposed to be {$1300.00} for property and {$3800.00} for school. I then called Citizens One on that same day telling them of this, and also offering the contact information for the woman at the assessors office and they said theyd have an answer for me as to what happened by XXXX/XXXX/19. I followed up with Citizens One on XXXX/XXXXXXXX19 and they still did not have an answer. I explained that they are adding school twice to my bill and they said they cant confirm until they new property bills come out. I also then asked why I my escrow has a balance of over {$7000.00} when they just paid school of {$3800.00} and they said they use it as a cushion. My taxes should only be about {$5500.00} a year so to have a {$7000.00} balance after the {$3800.00} paid for school is absolutely absurd. And then to tell us we have to pay {$500.00} more per month on top of that because theyre reading the tax statements wrong is beyond me. I followed up again today, XXXX/XXXX/19, the day they said they would have an answer by, and there is still no answer. I need the escrow account taken care or immediately as my payment is due XXXXXXXX19.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a loan with with XXXX XXXX Personal Loans. They ran a credit check and I was denied. The feedback they provided is, 'APPLICATION INFORMATION DOES NOT MATCH CREDIT REPORT. ' The denial email indicated I could call Equifax. I did. The first time the call took 14 minutes and while researching my information the representative disconnected.

The second time the call took 34 minutes. The representative was able to confirm the issue is my physical address. I moved to my current residence at the beginning of XX/XX/XXXX and immediately updated my employer, bank, investment company, and changed my drivers license, wrote a letter to my recently paid off loan institution ( car loan through XXXX ), all credit card companies ( 4 of them ) as well as all other important services. 

While on this 34 minute call I asked to speak with a supervisor. The representative was unable to connect me with her supervisor and was combative and repetitive with no interest in problem solving. While on with her I opened a chat with my bank XXXX XXXX XXXX and was able to confirm they have had my address correct but they couldn't provide a date they would have notified credit agencies. 

I am a bit at a loss. I do not feel it is my job to notify a credit agency of my legal address - this is the kind of verification they are responsible for keeping accurate records of. They offered me only fax or physical mail ( with a 3 day to multi week timeline on updating my address ). In these uncertain times that is both out of date and unsecure and well as inexcusably inexpedient. 

I will be working with a lawyer to assemble a packet of documentation which in no uncertain terms clarify my address and will be physically mailing it to Equifax. Welcome to XXXX. 

I will be collecting
Product: Checking or savings account

I issued and mailed a check to a vendor XXXX XXXX XXXX XXXX. and the check was cashed by someone other than the intended vendor. My vendor does not even have account at the bank at which the check was deposited. I found out the the day after it posted to the account as Wells Fargo does not provide copies of the check until the day after cleared. I asked for a provisional credit which I was told it would take 24 hours to 10 business days to have an investigation done and at that point it would be decided.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMs? 
I believe you have not verified these items based on Section XXXX09 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have called to reach out about this affecting my credit report. They give me a phone number to another company and said they cant work with me. I call the other company they never answer. 

I dont even have this said telecommunication company. Ive had the same one for many years and Ive never worked with this agency before nor do they have any of my authorization of contact me or have any of my information, especially if they cant even help me when I call them over the phone. 


They need to remove this from my report immediately before i pursue other legal options.