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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. I have disputed several accounts with no resolution whatsoever
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : Starting XX/XX/2018, I have wrote several letter of dispute I have been ignored and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report.

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILDSUPPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report.

Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from ( Your Name ) credit reports. I demand the account be verified or removed immediately!

If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : any actual damages I sustain by you failure to delete the item ; punitive damages as the court may allow ; and costs of the court action, plus attorneys fees.

I have forwarded a copy of this letter to the Federal Trade Commission.
Product: Money transfer, virtual currency, or money service

Company : Coinbase XXXX : My account was created in XXXX. I was married in 2018 and changed my name, but I did not change my time at that time with Coinbase. 

Somewhere in XXXX a feature was added requiring an ID upload to access the account. 

This year, I tried to get into my account to sell and transfer out my funds, but I could not get into the account because the name on my account is XXXX XXXX and my married, DL name is XXXX XXXX. 

The name change functionality is gated by the login, so I'm unable to change my name. 

I reached out to Coinbase earlier this year to get support accessing the account. I followed the instructions and nobody reached back out on their side when it didn't work.
Product: Debt collection

I have been receiving correspondence by mail from XXXX XXXX XXXX XXXX stating they are in demand for payment of {$360.00}. I think this is a scam because when I call to dispute the request they always ask me for personal information to identify me and do not provide my information over the phone and the person disconnects the phone call.
Product: Debt collection

This company Atlantic Credit and Finance is calling me up to 5 times a day on my cell number. From phone number XXXX as well as calling my work phone number. They were never given permission to contact me at work, or harass me at my place of business. I find their multiple calls daily very harassing. I have blocked their number so now they call me at work. I have asked them to no longer call there either because I am not allowed to take personal calls at work.
Product: Credit reporting or other personal consumer reports

It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information.
Product: Bank account or service

The bank close my account without nofity me of reason i received a check in the mail that i did not know was not a real check. Im only XXXX years old never had a account before now Im not able to open an account in my name.because of the issue.
Product: Checking or savings account

Initially spoke to Citi on XX/XX/XXXX regarding non-fulfillment of the promotional bonus offered for opening a checking account, enrolling in the bonus offer and depositing and maintaining a balance of {$10000.00} for 60 days. 

I made sure the offer had been applied, and as you can see by the chat log attached and what the customer service rep confirmed, that all parts of the offer were fulfilled on my end as indicated below : Account was opened in XX/XX/XXXX with initial deposit of {$10000.00}. 
Minimum balance of XXXX USD was kept for 60 days until XX/XX/XXXX. 
Cash bonus was not deposited within 30 days as assured by the promotional offer. 

I have attached a conversation with the first customer service rep on XX/XX/XXXX. 
I contacted them through the phone various times on XX/XX/XXXX, then again the week of XX/XX/XXXX, and they " escalated '' the issue to the promotional team who said this would be resolved in the next XXXX business days. It never did and I did not receive a response. Today is XX/XX/XXXX which is roughly XXXX business days after. 

I have attached a copy of the promotional offer as well.
Product: Debt collection

The debt the company is trying to get is fraud. I am a victim of identity theft. I confirmed with my bank this is fraud and a scam! I never lived at the apartment XXXX they are stating in the email.
Product: Checking or savings account

On XX/XX/19 TD Bank in XXXX XXXX NY took money from my social security ( SSI ) XXXX XXXX XXXX They took money to pay for overdraft fees I needed that s SSI check to pay rent for my son and I We now don't have enough money for rent I asked TD Bank to let me pay off the overdrafts in payments They said no Are they allowed to take a goverment issued check? 
Thank You
Product: Credit reporting

I have disputed several times items that do not belong to me, items that are past the 7 year statute and many names listed many names which do not belong to me. I need some help
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Debt collection

Rausch Sturm LLP took funds from my savings account and checking account and refuses to give me documentation to back up the debt they claim I owed or send me a receipt of payment for what company and amount these debts are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit dispute My credit score dropped significantly without any explanation, on XX/XX/2021, my score was XXXX ' then on XX/XX/2021 my score dropped to XXXX then on XX/XX/2021 my scre dropped to XXXX. 

Call to XXXX I calkd XXXX about my credit score drop on XX/XX/XXXX to say why my score dropped and I got the repose below : to many inquiries : not enough credit reporting : short credit history My dispute to XXXX results As my credit report has not change with with any new information within the last 90 days how could this previously drop my score 85 points?. 

Phone calto Equifax On XX/XX/2021 Equfax representative told Mr my score dropped because of a dispute. 

My dispute to Equfax fax answer I have no dispute on file as of XX/XX/2021. 

XXXX XXXX
Product: Credit card

I authorized one payment to XXXX XXXX for one court appearance and then fired him but on XXXX XXXX, 2015 this person tried to get more money out of me than the original {$500.00} I authorized. He tried to get {$1000.00} first from my American Express card and when that failed he received an additional {$500.00} from American Express without my permission or authorization. Then he asked me to withdraw my dispute in American Express so he could remove the charge. He sent me some emails saying it was a misunderstanding and that he was not cheating me on the money but he is apparently. I will not pay the additional {$500.00} he charged to my account on XXXX XXXX but will just terminate the card if necessary as I did not authorize he do this. He called me around that time, a day or so before he did it asking me if I had any other credit cards and I said I did not have any other cards to give him. I think this was a deceitful illegal act on this man 's part XXXX XXXX to do that as I never authorized him to ask for an additional {$1000.00} on my credit card or another {$500.00} which he tried to get when they would not give him the {$500.00} and I want that additional {$500.00} removed from American Express who never asked me if I authorized it. I know some banks call you when it is a large amount before they pay it asking if you did this with your permission or authorization.
Product: Mortgage

My escrow account was supposedly closed on XX/XX/year>, however Fay Servicing has been charging be for escrow payments since and not disbursed them to me.
Product: Credit reporting or other personal consumer reports

I have submitted over 5 complaints to the credit bureaus. They have refused to investigate the discrepancies in my credit report. I have attached a 3 bureau table showing the errors in my report. Please assist in making sure XXXX, Experian, and XXXX do their job. Thank you
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Mortgage

I applied for a house refinance loan with loandepot.com and paid a deposit for appraisal. The loan was was less than 30 % of the appraised value.. 

I was granted a Conditional Approval. However after satisfying the Conditions of the Approval, I was denied. I was told specifically that my deposit would be refunded to me while the loan was funded. 

I would be happy if LoanDepot refunded my deposit back.
Product: Debt collection

When I canceled my XXXX Account for XXXX XXXX XXXX under my name XXXX XXXX, they asked for me to return the equipment. I had a delay in returning the equipment due to moving. I was given reminders via email to return the equipment. The amount that they are trying to claim I owe ( around {$100.00} ) is for a cable equipment box that I returned. I have the receipt from XXXX with the confirmation that they received it, along with the serial + model number listed in the confirmation email. The email is addressed directly to myself from XXXX/ XXXX and I have tried to dispute this with the debt collector by providing a screenshot proof of what I have explained above and I have received no response from them. The debt collection still remains on my credit reports and I want this removed. This is not the first time that I have had this collection placed, it was placed once before many months ago and I called XXXX directly and they confirmed receipt of the equipment and said they would notify the collector to remove the collection. This obviously never happened.
Product: Credit reporting or other personal consumer reports

Account name : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that XXXX XXXX XXXX be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 

In acgesdance with the fair credit Resort 995 act XXXX Account XXXX XXXX XXXX, has violated ny rights. Find related content Search 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragra the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 789 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please remove this account immediately Sincerely, XXXX XXXX XXXX
Product: Student loan

I am having a problem with navient. I have filled out papers for the repayment plan and keep being told I did n't do it. They consolidated my loans, they have closed and opened the accounts so many times it keeps messing up my credit score. I have asked three times for copies of all my paper work including the original loan documents and they have told me they are in the mail. After 2 months I have yet to get them. I am cniurrently waiting for papers to be sent to me so I can finalize my repayment plan o the income based program. But they have n't showed up.
Product: Credit reporting or other personal consumer reports

I sent a DISPUTE LETTER to Equifax and they REFUSE to delete the HARD Inquires and accounts on my credit report. They did not properly do their investigation. Haven't sent me any forms to VERIFY that shows me they did. Asked Equifax how did they verify this accurate, who they talked to, what time, the person name they talked to, what did they say, any proof that it was me, how did they accuracy these hard inquires and accounts, to send me documentation that they actually did their job and validated these accounts. They also have a charge off on my account that is connected to a third party that i did NOT do any type of business with. Don't know that company at all ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now all closed off on my account. I asked for 1099 and still haven't received any documentation. I filed with the FTC but it's not letting me upload the documentation on website.
Product: Checking or savings account

On XX/XX/XXXX I got a call from a citibank representative saying there were fraudulent wire transfers on my account. The balances on my Citibank app were tampered with so it showed that I lost money and therefore I thought I had to do " duplicate '' wire transfers to get the money back. However this was a huge mistake because it cost me {$90000.00}. After this happened I went to my local Citibank and told them my situation. However since it was a wire transfer it was tricky to cancel because it went through right before I got to Citibank. It was a big transfer so Citibank should have noticed this because I never did a wire transfer before ever. Citibank is the reason that I lost my money and I need it back. I already contacted the FBI and my local XXXX XXXX but they are taking a while. However I am the most disappointed with my experience with XXXX because they are supposed to protect my money and prevent huge transfers like this from happening. My money is supposed to be FDIC insured up to {$250000.00}. Not only did these people hack into my Citibank app, they hacked into my att phone plan. They switched their phone number with mine by getting my sim card number. They received my calls and I received theirs so they committed a serious crime. They impersonated me when the wire transfers happened because they put in the XXXX time codes because they got the texts. I opened fraud cases with Citibank but they closed them because they are saying that I approved the transfers which isn't true. Citibank is supposed to be the biggest and most secure bank but they let this stuff happen and call their customers liars. I am not planning to just forget about this because this is a lot of money and I know Citibank has more than enough to support me but they just don't want to because it is hard to track these scammers. I have the case numbers of the Citi fraud cases, they are XXXX XXXX for {$24000.00} for account holder XXXX XXXX XXXX XXXX for {$22000.00} for account holder XXXX XXXX XXXX XXXX for {$26000.00} for account holder XXXX XXXX and XXXX XXXX XXXX XXXX for {$16000.00} for account holder XXXX XXXX These cases were closed wrongfully from Citibank and I wanted to complain further to escalate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$3000.00} to TD bank at the same time they charged off the debt to XXXX XXXX whom I set up payment arrangement made with and paid the debt off as of XX/XX/2021. To date this is debt is still on my credit report as being delinquent in addition to a balance still being owed. I have attempted to resolve this with multiple contacts to TD band and XXXX XXXX but I have not gotten anywhere with my credit reports being fixed to reflect this debt has been paid and up to date since XX/XX/2021.
Product: Checking or savings account

Is a fraudulent transaction made on XX/XX/2024 of XXXX XXXX from my checking account withdrawal, the card was lost at that time, this is not authorized by me, and the company they refuse to give me a provisional credit, not good, I sent several message to them and phone call, but not good replys.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is no sufficient information to support Experian 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , UXXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX   ) XXXX, XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   ) 3396**
Product: Checking or savings account

I had an existing account with HSBC and got the following promotion, which was completed monthly for 6+ months. Only 1x {$15.00} credit shows in the account each month. I have contacted HSBC 2 times via the customer messaging system and have not heard back any response. 


Starting XX/XX/2021 you can earn up to {$180.00} over the next six consecutive calendar months by simply using HSBC for your everyday banking. Offer ends XX/XX/2021. 
How it works. 
Earn {$15.00} per month when you Make 10 new purchases per month using your eligible HSBC Mastercard card ( s ) and/or Earn another {$15.00} per month when you Pay 3 bills per month using HSBC 's Bill Pay Keep up the good work and earn up to {$180.00} over six months The Card Offer and/or Bill Pay Offer will be automatically credited to your HSBC Premier checking accou
nt approximately eight weeks after meeting that month 's qualifying activity.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX reported that an open account was closed. My credit score was negatively affected by this false report and my score decreased by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initiated disputes with Equifax involving several accounts on my credit report that are 1. Not mine and 2. don't even have an agency name. There are 4 collections showing on my credit report that do not have a name or contact address. I've attached the credit report and on page 11 you will see collections for the amounts of {$64.00}, {$64.00}, {$100.00}, & {$100.00}. Also I've disputed a XXXX credit card account that is not mine and Equifax is the only bureau it is reporting on. After disputing I noticed it is still on my credit report. Nothing has been sent to me and I have not received a notice from them or credit report. My family is trying to purchase a new home and these accounts are holding us back. I've uploaded as much documentation as possible. Thank you, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My recent credit report review caused me severe XXXX. I found that what is being reported is unverified, inaccurate and extremely problematic. My credit is being grossly misrepresented and now I can not get new credit at reasonable rates and it is preventing me from getting funding for my business which can very quickly become detrimental.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT & XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.