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

I disputed 23 inquiries and a chapter XXXX from XXXX Alabama with XXXX. I have done my research and suggest XXXX do the same. Over half of these inquiries were done online and in Alabama. This is the letter XXXX  sent me. Let me share this i flew to Alabama to see a investigator in refrence to Fraudulent Activities on my credit report. As a result somebody in Alabama did this. At the time i was there i visited the court house in refrence to this matter. The clerk advised to call the reporting credit bureau .they didnt report. XXXX  see my cards from detective in Alabama .Please remove these inquuries and chapter XXXX immediately. I have Nevada id from XX/XX/2012 to present. Unless my name is XXXX. There is no earthly way i reside in 2 states and work a full time job in Nevada for over 5 years. Final attempt before i hire a attorney and file suit. For damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian and told them how I do not recognize an inquiry from XXXX XXXX  on my credit report. There is no account tied to it either, which should prove that it wasn't me. I contacted the parties to get it removed with no luck. 

Customer support at Experian was no help. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with the credit bureaus to get removed late payments that have been put on my account. I have submitted proof of payments and now they have sent back that I am currently past due. This is so frustrating because they just took money out of my account two days ago and they have the audacity to say Im late on payments. They have no formal payment history or statements to provide to clients which is very shady from them.
Product: Credit reporting or other personal consumer reports

Under federal law ( 15 U.S. Code 1681i ), you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, US Dept Of EducationXXXX Account # XXXX, XXXX  XXXX Account # XXXX 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: Money transfer, virtual currency, or money service

Hello, On XX/XX/year> I sent a transfer for {$700.00} which was advertised as no fee. I approved a withdrawal of that same amount. To my surprise Western Union ( WU ) charged {$710.00}. Which means they just helped themselves to {$13.00} from my bank account without my authorization. I filed a complaint a week later. At the end of XXXX they sent me a letter saying that they will refund in a form of either receiver going to get the money or I have to go and receive the refund at WU location and I MUST reply via mail to chose which one. It is so ridiculous because they should just either sent a check since they're mailing me letters anyway or just issue a refund via ACH. They're clearly making this extra difficult so that people give up. I chose to receive the funds myself. XX/XX/XXXX I received a letter with information on how to receive the refund and new tracking number. On XX/XX/XXXX I went to WU 2 locations and both told me they can not find anything about this. I called the WU customer service and they claimed that the refund is half of what I'm owed, even though their letter says how much they owe me, and then they said that supposedly someone picked it up in Texas or somewhere, and I've never been there. They told me they're creating a case and I will hear back within XXXX. I didn't. I called again on XX/XX/XXXX and they told me that it's still being reviewed and I will hear back in XXXX. I called back today, on XX/XX/XXXX and still no information. 
I'm asking CFPB to intervene because it has been over 2 full months since I've been charged without authorization. CFPB should also look into the following : - WU needs to stop charging accounts a larger amount without being authorized to do so ; - WU must issue refunds in the same way they charged their customer or at the very least mail a check to the address that they already clearly have.

- WU needs to establish a clear resolution process with a certain deadline.
Product: Credit reporting or other personal consumer reports

On the Morning of Saturday XX/XX/year>, I contacted TranUnion customer service phone number for results from dispute in XX/XX/year> for inaccurate credit reporting of the 2 accounts called XXXX XXXX XXXX. TransUnion has verified this account for over a year as accurate but these 2 accounts were removed from both XXXX and XXXX for inaccurate information on my credit reports.I am led to believe that TransUnion is using AI technology to address consumers disputes which is not accurate as this has been a complaint by many consumers. The live agents arent fully investigating these disputes as they are verifying inaccurate accounts in consumers credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the months of XXXX and XXXX of 2018 I have spent several days corresponding with XXXX XXXX about the fraudulent accounts which appear on my credit file. They have not removed them. Although these accounts are fraudulent and I did not aurthorize them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received letters stating that they have ceased investigation of my credit reports because, in their opinion, they believe that I have used a third party credit repair agency which I have not but there is NO law that states a consumer can not use a third party, so using that as their excuse is irrelevant. Ive disputed this US BKPT CT IL XXXX Reference number XXXX with the credit bureaus Experian, XXXX, and XXXX -Which two of them ( XXXX AND EXPERIAN XXXX confirmed the public record was verified by the court. I asked XXXX and Experian to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files. 

In accordance with the Fair Credit Reporting act XXXX Reference number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding Acisma credit reporting. This has been paid in a settlement for less than the amount. It was there idea. It still shows on my credit report ad a negative item. I which to have it removed. Tried speaking with them, but it still shows.
Product: Credit reporting or other personal consumer reports

I requested the following Names and addresses off my Credit Report Immediately, and they remain. Again, after the request, someone tried to set open accounts in my name. 
These are completely wrong and need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to formally file a complaint regarding an ongoing issue with my Blockchain.com account. I have encountered multiple difficulties accessing and transferring funds from my account, despite my repeated attempts to resolve this matter directly with Blockchain.com.

After logging into my Blockchain.com account, I was prompted to re-verify my identity. When I clicked the verification button, I was notified that I could not proceed with the verification process, which prevented me from gaining full access to my account.

I then attempted to transfer the assets from my XXXX XXXX  to another wallet address. I was able to see the funds in my Trading Account, but when I followed the steps to transfer my cryptocurrency, I encountered an error message at the final step of the process. I have attempted this transaction multiple times but have been unable to successfully complete it. 

Additionally, I have submitted several support tickets to Blockchain.com but have yet to receive any response or resolution to this issue. This has been a time-sensitive matter, and I am concerned about the potential loss of access to my funds. 

I kindly request the Consumer Financial Protection Bureaus assistance in addressing this matter. I would greatly appreciate any intervention to help me resolve this issue as quickly as possible so that I may transfer my assets out of the Blockchain.com platform. 

My Blockchain.com user email is XXXX. I have also cc 'd Blockchain.com on this email and request that they urgently address this matter. 

Thank you for your time and attention. I look forward to your prompt assistance in helping resolve this issue. 

Sincerely, XXXX XXXX
Product: Debt collection

Midland Credit Management contact me for XXXX XX/XX/year>, I requested Before I proceed with any further actions, I kindly request that you provide me with the necessary information to validate this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The original creditor 's name and address.

2. The original account number associated with the debt. 3. A detailed breakdown of the amount claimed, including any interest, fees, or additional charges applied. 4. Copies of any agreements, contracts, or documents that demonstrate my obligation to pay this debt.

5. Proof that your agency is licensed to collect debts in [ your state ].

I also want to bring to your attention that I am aware of my rights under the FDCPA. I expect all communication related to this debt to be in compliance with the law. Any violations will be reported to the appropriate regulatory authorities. 

Please note that until you provide the requested information and validate the debt, I consider it disputed. Therefore, I request that you cease any further collection activities, including reporting this debt to credit bureaus, until the validation process is complete. And they have not supplied the information and I do believe that if the information is no accurate and proper verification is not sufficient it needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 am filing a complaint against Equifax for failing to properly investigate my disputes, regarding inaccuracies in my credit report. Despite my submissions, Equifax constantly responds within 24 hours stating that 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 into disputes. Furthermore Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ). 12.U.S.C. 5536 ( a ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law, and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with CAPITAL ONE AUTO FINANCE was opened on XX/XX/2014. My Account Number begins with XXXX... 

The account WAS PAID IN FULL! However, my credit report shows the status as " Discharged through Bankruptcy XXXX XXXX. '' This is VERY FRUSTRATING as I PAID THE ACCOUNT IN FULL AFTER MY BANKRUPTCY!! I have the title to the vehicle in my hands today! 

I've asked CAPITAL ONE AUTO FINANCE to update the status of this loan on my Credit Report, but they absolutely do NOT CARE!!! 

PLEASE DO NOT EVER USE CAPITAL ONE AUTO FINANCE... THEY ARE TOTAL CROOKS!
Product: Credit card or prepaid card

Comenity Bank at XXXX XXXX XXXX, XXXX OH XXXX sent me a letter by mail dated XX/XX/XXXX that I received today. The letter explains my Avenue credit card handled by Comenity is now closed due to " previous negative experience with Comenity or " Comenity Capital Bank '', however, my balance of approximately {$560.00} remains due. What is more, I believe " the negative experience '' relates to my previous complaint about this Comenity Avenue billing to CFPB or FTC regarding Comenity 's fraudulent duplication of charges to my bank account. This was the content of their letter although my payments are currently up-to-date. Today I messaged the company at their online site suggesting they apply Account Assure despite and due to their mishandling of my Account Assure enrollment circa XXXX or XXXX for the sake of rectifying the situation, or alternatively offer me a Settlement in Full offer for 50 % or less the current balance. I would now additionally like to inquire to the CFPB how I may contest the bill entirely if I need to. I believe either of the three possible ways to pursue justice would suffice as Comenity related clothing companies began to bombard me with catalogs and advertisements starting in XXXX despite my request to the XXXX, by phone and later by online communication, to stop the solicitation. Their harassment despite my on-going attempts to protect myself led me to bankruptcy in XXXX. It has harmed my credit score,  overall outlook and psychological health negatively. Finally, I am disturbed by how Comenity further maligns me by using further punitive measures on me for a negative experience that was their own faulty. I would like to suggest to your organization that it investigate my case with Avenue and Comenity specifically and Comenity at-large. I do not this Comenity is law abiding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act 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
Product: Credit card

My BLOOMINGDALES credit card account had a {$420.00} credit that was stolen evidently by a Bloomingdale employee. I 've contacted customer service and had no results. 
We were in XXXX XXXX XXXX/XXXX/XXXX at Bloomingdales which refused my purchase stating that my account was closed. Store inqired further to find that account was closed XXXX/XXXX/XXXX. We received no notification of card termination in fact we had confirmed that credit would not expire. Instead of issuing a check for credit our Bloomingdale credit was used in FULL for merchandise on XXXX/XXXX/XXXX by an unknown source. Purchase accured exactly 15 days after account was supposedly closed.
Product: Credit card or prepaid card

On XXXX XXXX Ive reached out to Cashapp to understand why my account was locked. They gave no explanation but saying that the account is locked and I need to verify my information which I did. Its been almost a month since now reaching out here for assistance, trying to get it unlocked. My daughter helps with my account and there has never been any issues before. I reached out to them multiple times and they just state the same statement over and over in a robotic sequence. Which I will attach to this complaint. Im an older lady and Ive never had such poor customer service regarding how to handle an inquiry. Ive just reached out again and still the same reply. I dont know who Ive sent my personal information to, but it was sent and now they have my Government ID and face picture to authenticate who I am. Yet Im still not receiving any emails or explanations. Can you please help with this situation. It is happening to other people too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customers who pay for unlimited mobile data have a right to expect to get ... Then when I try to call I'm told I have very little time or a XXXX balance. ... I was a costumer with XXXX XXXX XXXX and out of 12 Billing Cicely 11 where wrong. 

XXXX  trade in XXXX XXXX incorrectly charged 2,000 customers for exceeding data cap btw that was from FTC i filed also
Product: Credit card

I have a credit card through Best Buy Citi Bank that had fraud charges on the card. I was contacted by the Fraud Department and told to place a special name number etc. on my account so the fraud people accessing my account could no longer access the account. So I did that. And again the people in the same state are being allowed to access my account. Best Buy Citi Bank Customer Service did not protect me from fraud and again allowed fraudulent people to access my account. The specialized word or password which should have never been bypassed was bypassed. The fraud people changed my address, phone numbers and email. The Citi Bank Customer Service are not honoring my privacy and continually allow the fraud people to use my account without my permission.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

Resources
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX  XXXX - {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX  XXXX - {$1900.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Vehicle loan or lease

I am a member of Santanders class action lawsuit and qualify for loan forgiveness or settlement offer. Santander has not followed through with sending me a detailed copy of current contract as asked after loan account was closed. They do not report positive payments on closed loan but keep it on credit report. They need to offer settlement amount and provide details of current contract, or bring balance to XXXX.
Product: Mortgage

I own a second home that was financed through XXXX. I have been paying my mortgage directly to them for many years. I went to their website to get my year end statements for taxes and the account no longer existed. I call XXXX and at the end of XXXX and was told they sold my loan to Bayview Loan Servicing back in XXXX. I have never been sent any documentation from Bayview. I received a few phone calls from a women who asked me to call her back because she has good news, which I did not do. After speaking with XXXX, I realized that this women was from Bayview and gave her a call. She claimed I was 4 months behind on my mortgage and offered me to restructure the loan. Instead of a XXXX mortgage payment I can lower it to XXXX. My XXXX mortgage payment was in the XXXX range. I then asked her to email me some documentation and statements so I can review and respond. I still have not received any. I have called but no response. My situation is now I 'm in contract to sell the 2nd home and am afraid this will cause a problem. Not sure what to do. Thanks