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

Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX XXXX  Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau thedate of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MYCREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made 2 payments to my Wells Fargo credit card bill from 2 different banks for XX/XX/22, the payment for XXXX was received and credited to the account but the XXXX was not. I placed multiple calls to get this corrected. I finally spoke with a banker named XXXX ( female ) who took all my information to include the bank 's routing number, account number and the transaction number. She told me i did not need a case number and that this information would be noted on my account. I called Well Fargo today XX/XX/22, spoke with XXXX and he tells me none of the information I gave to XXXX 14 days ago was noted on my account. I was unable to provide him all the original information as I was a work. I told him I would have to call back to the main number and repeat my story for the XXXX time to a different banker. I called Wells Fargo back 1 hour later refusing to speak with a regular banker instead i demanded to speak with a supervisor called an escalation banker. I again repeat the information i gave to XXXX of XXXX, putting my trust that they wont use the information to steal money out of my bank account.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


This is the account I marked as inaccurate ORIGINAL CREDITOR : XXXX XXXX XXXX  {$9600.00}
Product: Debt collection

I was given a membership for my Birthday from soon to be ex wife. She set it all up paid for it out her account but XXXX XXXX is coming for payment from me. They will not look at who set it up or what bank account it was being paid for.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate costumer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

used a moving service, during our move from XXXX XXXX XXXX, and the carrier did not deliver the goods as promised, they charged 30 % on credit card and took rest in cash. 
it's been more than 10 months and no resolution from the movers and also credit card is not giving back funds and supporting the mover even after they did not deliver the services as promised. the services agreed is to deliver my goods from point a to point b and they did not deliver all the goods, so it's not honoring the contract and they need to refund my amount.
Product: Checking or savings account

On XX/XX/XXXX XXXX  I received a phone call from an individual named XXXX XXXX who said he was an officer at my local sheriff 's office. He told me I had missed my jury duty date, that there was a warrant for my arrest and needed to pay bail and a fine for missing it and come into the station to fill out paperwork to send to the courts. I was extremely scared of the repercussions and he said that I needed to pay the fines and fees to avoid getting in further trouble. He told me I needed to go to a kiosk in my local XXXX if I wanted to pay the fines so I went and sent the money through the ATM/Money Order kiosk. I sent {$4800.00} dollars in two transactions because they said the first one didn't go through ( {$3800.00} and {$1000.00} ) and I believed them. Once I sent the money and told them I was on the way to the police station for the paperwork they hung up on me and then I realized I was being scammed. I immediately called Wells Fargo to report the fraud and had my claim submitted. I also submitted a police report and reported the scam to my state 's attorney general 's office. I also contacted the company, XXXX, that the money was sent through to see if there was any information I could get about canceling the transfer or about the scammer 's account. They were not able to return the money but they provided me the transaction information. I called Wells Fargo on XX/XX/XXXX and they told me they denied my claim since my debit card was entered into the kiosk machine regardless that I was scammed of nearly XXXX XXXX dollars. I am over simplifying the emotions I went through on the ninth but I was and still am experiencing a lot of stress and financial burden as a young adult who has now lost a lot of money with seemingly no way to get it back. I can provide the WF claim number, my police report number, my emails with XXXX, and the response from the Attorney General 's office. I appreciate any help the CFPB can provide, thank you.
Product: Debt collection

On XX/XX/2018 i disputed said debt with Experian credit bureau and to this day have not received any verification that the debt is valid, which now is beyond the the 60 days beyond the FCRA. The Fair Credit Reporting Act states that the debt must be removed from a consumers fico report if the debt can not be verified or validated within the 30 day investigation period.
Product: Credit reporting or other personal consumer reports

DUE TO XXXX THESE ACCOUNTS WERE CREATED WITHOUT MY PERMISSION.
Product: Credit reporting

On XXXX XXXX, XXXX, the State California Board of Equalization filed a lien for unpaid sales tax in the amount of {$4000.00} Account No : XXXX ( file no. Doc no. XXXX ). This account is a business sales tax from the business that my partner and I no longer own, aka my husband/business partner, Equifax continue to report the business Public record in our personal credit report despite of my several attempts to dispute the account/public record in question. I 'm unable to refinance my vehicle due to my credit score continue to drop. The lien has been deleted from XXXX and XXXX in XXXX, except for Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX 2-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the best non-detailed description of what I am going through starts off with me applying for a job position with a company in the middle of XX/XX/XXXX. During the process of the interview I was giving my social security number to the HR Manager to input to her system to send to, what I eventually see through a letter in my mail, a " XXXX XXXX XXXX XXXX XXXX '' During the interview process however, I give the HR Manager a wrong SSN due to memory and she unfortunately submitted the file already before I could tell her my correct SSN a few seconds later. Two weeks go by and I hear nothing from the company that I applied to and the letter comes in my mail from them with the company they use for background checks. It has my name, address, date of birth, and WRONG SSN that produced the report mailed to me. 

Note that with the information I provided the company for a background check, everything seems to be " Full matched '' and used by this background check company " by the following identifiers : Last name, First Name, Middle Name, DOB '' as well as my address and WRONG SSN in easily readable format with criminal charges personally I never been charged with. Two scenarios are in my head with my concerns. First, the background check company that is able to manipulate a LEGAL DOCUMENT WITH NUMBERS THAT IDENTIFIES YOU FOR THE REST OF YOUR LIFE, with most likely a date of birth and of course a name associated with it, AND CONFUSE IT WITH ANOTHER LEGALLY IDENTIFYING NUMBER THAT IS VERY IMPORTANT. Secondly, if my First Name, Middle Name, Last Name, and DOB has a criminal charge on file that someone inputted, who is to say I do n't have another one or when I 'll have another one?

I am investigating my situation first thing in the morning with the companies involved since the day I write this is the day I found out.
Product: Debt collection

I got phone calls stating that I need to call ASAP Today about a debt. I could barely hear most of the message but an authority voice telling me to call. I am XXXX XXXX XXXX as my husband is also a XXXX vet. We do not need this. We are paying our debts and closed and are paying on what we could not. I also have a cease communication order on every debt collector from these harassment calls and we get them anyway.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous INQUIIRIES on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my Coinbase account got locked with {$30000.00} dollars in investments. 
I requested Coinbase to unlock my account the very next day So I could get access to my money and keep trading. 

I spoke with them 5 different times and they always say that they escalated my problem and that a specialist will help me unlock my account. 

They sent me a ticket number ( Case # XXXX ) but every time I email them they say the same thing. 

I have tried everything and its been more than 30 days since they kidnapped my account. 
I have no other choice than to make a complaint.
Product: Money transfer, virtual currency, or money service

Below please find the details of my transfer of {$2000.00} USD via PayPal to my fiance ' in The XXXX. Instead of sending the cash to the recipient, PayPal allowed a " company '' named XXXX intercept the money and they will not release it until XX/XX/2020. She needs this money to give to an attorney on XX/XX/2020 for a legal matter. 

XX/XX/2020 money sent to ; XXXX XXXX XXXX XXXX Your recipient should have the money by XX/XX/2020. 
Paid with ; XXXX XXXX XXXX XXXX Your backup is MasterCard XXXX Exchange rate ; {$2000.00} USD = XXXX XXXX  XXXX XXXX = XXXX XXXX Transaction ID ; XXXX Sent to ; XXXX XXXX XXXX Details ; Sent to XXXX XXXX XXXX XXXX Fee XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX... creditor is XXXX XXXX XXXX bank in the amount of XXXX dollars opened on XX/XX/XXXX ( in collections? ) XXXX XXXX opened XX/XX/XXXX and closed on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX and closed on XX/XX/XXXX amount of XXXX it looks like it's XXXX funding XXXX bank opened on XX/XX/XXXX closed on XX/XX/XXXX amount XXXX dollars Credit XXXX bank Opened XX/XX/XXXX closed on XX/XX/XXXX XXXX bank * XX/XX/XXXX I received a letter in the mail that a account was opened in my name ending in XXXX but they needed more information me so they restricted the account I did contact them about this because this account was fraudulently opened and the other ones listed I have no knowledge of either and were fraudulently open also.I filed disputes about the other accounts listed
Product: Debt collection

I checked my credit report and noticed this company named LVNV FUNDING LLC. on my report. I would like for them to remove the 2 negative items they are reporting as negative because I have never done business with them at all. I have never provided them with my personal information. I have never applied for any type of credit with this company or signed any documents. Please remove the negative items its illegal
Product: Debt collection

XXXX, NPAS, and/or XXXX XXXX XXXX Hospital attempted to collect a debt without utilizing the insurance. Prior communications indicate that all parties were aware of the insurance in place and the purpose of me paying for insurance, is that it may be utilized. The original debt was indicated to be {$4800.00} and the reduced rate is {$580.00}. If they want only {$580.00}, then the insurance company can pay them that. Otherwise, the deductible and co-payment will need to be identified and ALL provider bills will need to be considered in the billing cycle. Not just this bill. Again, this is the reason I purchased insurance.
Product: Debt collection

Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.
Product: Debt collection

A certified letter was sent out and received by the company on  XXXX   XXXX  and  XXXX   XXXX .   The letter was disputed payment information and validation of the debt. The company failed to respond and mark the item disputed. I also have a record of a call before  XXXX .   They have violated the FDCPA and the FCRA of up to {$3000.00} now.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Collection agency : XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned : XX/XX/XXXX Acct Number : XXXX XXXX Collection agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Acct Number : XXXX XXXX Collection agency : XXXX XXXX XXXX Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/XXXX Acct Number : XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2017 XXXX ... this account was open without my knowledge this is fraudulent
Product: Debt collection

It has recently come to my attention that contracts were created without my KNOWLEDGE when the alleged ID number and alleged account was established with a [ Sunrise Credit Collections XXXX ] which may invalidate and violate my rights pursuant to U.C.C. 1-308.4 I, XXXX XXXX XXXX XXXX Natural Person, am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g , to inform you that I protest the alleged debt and alleged account/account/negative activity/ statement associated with ( reference accounts above ) with [ SUNRISE CREDIT COLLECTIONS ] I do not believe that I the Natural Person XXXX XXXX signed a contract with your XXXX XXXX stating I allegedly lawfully owe a debt operating under the name [ SUNRISE CREDIT COLLECTIONS ] or I do not believe there has been an established KNOWN agreement and believe nothing exists. I have requested to cease and desist all collection methods and extensive harassment.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had One late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( Account # : XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Credit card or prepaid card

What a horrible card and bank never care for me their customer I wanted to product change upgrade to a different card since I. Dont like this XXXX card I want a cash back card when I called they said no You need to apply they dont allow switch when other banks do they have a dept fir that to make you happy but they will never do anything fir me since they dont care to make me happy I want a contactless card that is not XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card closed XXXX of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over XXXX years of credit history, NEVER late on any payments, no XXXXMaintained perfect XXXX cs for XXXX  year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my credit score dropped by XXXX points due to that. XXXX points because XXXX XXXX auto-closed my account ( not me ). 
Please help to restore my excellent XXXX credit score as this is unfair. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX 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

On XX/XX/XXXX I was alerted via credit monitoring ( XXXX ) that a XXXXXXXX XXXX XXXX XXXX account was reported to my credit report with the name XXXX XXXX XXXX XXXX They are reporting an inaccurate address that I've never been associated with that is connected to the fraud claim : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. I HAVE A 7 YEAR FRAUD ALERT AND CREDIT FREEZE ON ALL XXXX CREDIT REPORTS. THE INACCURATE NAME AND MULTIPLE ACCOUNTS BELONGING TO THAT NAME CONTINUE TO POPULATE ON MY CREDIT REPORTS. I have never been associated with that name. My credit file has been merged due to identity theft dating back to XXXX. My credit file has been in the Special Handling Department of XXXX  as well as Transunion and XXXX due to accounts being reported to my credit report with account owners that have a similar name. The account is reporting a late payment also that has prevented me from moving and I am facing homelessness. I'VE NEVER HAD A XXXXXXXX XXXX XXXX XXXX  ACCOUNT. XXXXXXXX XXXX customer service and supervisors have not aided in resolving this issue. 

I filed a dispute with all 3 credit bureaus in XXXX. Transunion is the only credit bureau still reporting the fraudulent names, addresses and XXXX XXXXXXXX XXXX XXXX  account. 

I mailed transunion : Dispute, Drivers license, Social security card, Birth certificate, Police report, FTC report, and Utility bills. Transunion sent a follow up letter requesting the same exact information I had already sent via priority mail. I resent the same documentation AGAIN in XXXX certified mail. The tracking number shows it was delivered. Transunion still decisions my case as the debt being valid even after claiming not receiving my documents that I sent TWICE and receiving correspondence from them stating they cant block and delete the fraud unless I send required documents, which I have done. 

I submitted ANOTHER dispute to Transunion in XXXX via XXXX and I uploaded all required documents. I have yet to get a response on the dispute. Please review it and remove the fraudulent information from my report as this is affecting my life and I can not find a place to live due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address information I had been living in XXXX XXXX XXXX XXXX NJ for 15 years.Between XXXX to XXXX. 
Also a lot soft inquiries that NEVER happened : All XXXX XXXX All capital one auto financial XXXX XXXX XXXXXXXX XX/XX/XXXX All XXXX  Make no sense.. I am really careful about no make any extra damage applications