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

My car loan was paid in full - my auto insurance & XXXX insurance carriers paid MORE than the full balance of the loan. 

I'd previously filed a separate complaint against Wells Fargo Dealer Services in XXXX because they were reporting my loan as a charge off. They sent a response advising there was an issue with the payment from the XXXX insurance XXXX but they initiated another claim to get the outstanding amount & would correct my credit report once they received the payment. 

After a review of their financial records, in XX/XX/XXXX Wells Fargo Dealer Services sent a letter advising that they discovered my loan was actually overpaid & issued a refund check plus interest ( see attached ). For some XXXX forsaken reason, Wells Fargo began actively reporting the account as a charge off on my credit reports in XX/XX/XXXX & have been doing so for the last 6 months. Not only was the loan MORE than paid in full & not charged off, the loan is from XXXX & has not been active in years so there is no reason for them to be actively reporting it on my credit as a current charge off. 

This is the second time I've had to file a complaint against Wells Fargo for adding wrong/disparaging information on my credit report. Obviously, this new issue with them has resulted in XXXX credit drop at their hands, They continue to cause me distress, both emotional & financial, with their inaccurate reporting. They've been fined for poor/predatory banking practices so many times that it's unbelieveable they are still allowed to do business. When are you all going to actually protect consumers & shut them down?
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid XXXX is income and according to the FCRA income can not be reported on a credit report. Im requesting a XXXX ( Cancellation of XXXX ) from the following charged off account listed below. 

XXXX XXXX XXXXAfter checking my most current report the updated information stated the account was purchased by another Lender SPRINGOAK CAP. This account can not be reported as a charge off on my credit report if the account was sold to another lender. Please delete this account and send the XXXX form
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Debt collection

Good day. 

I began seeing a XXXX last year for some XXXX XXXX. I received bills for service. The last payment made was XX/XX/year> for {$290.00}. After this payment was made, I never received a bill showing specifically how this payment was applied. I was still seeing this doctor so more bills came in. I called to advise I wanted to continue paying, but needed to see how that payment was applied. I was advised it was applied to a prior bill and that was it. I again inquiried requesting to see how it was applied due to continuing to get bills and never seeing this {$290.00} applied. Instead of XXXX resolving my dispute so I could continue with voluntary payments, they sent my account to the Nguyen Ballato Law Firm for collections. Now they are requesting the balance plus attorney fees, but never resolved my initial dispute. Note, I have always stated I would pay my balance because there is one due. However, where was my money applied? And how did you send me to collections with no disupute resolution? And I am not paying attoReny fees, because this should have been resolved through my direct dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit report to remove accounts they were deleted 3 months ago but then just reappeared again with no clear verification method. I have no affliation to the accounts In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account name : XXXX XXXX XXXX, Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States. No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) section States. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I asked the credit report to remove accounts they were deleted 3 months ago but then just reappeared again with no clear verification method. I have no affliation to the accounts
Product: Checking or savings account

I'm trying to open up a new bank account and I can't it won't allow me to say something about identity theft
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX According to my records, a late payment was reported for my account number XXXX in XXXX XXXX  transunion XXXX, XXXX XX/XX/year> This information is incorrect and negatively affects my credit score. I have att empted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XXXX XXXX  transunion XXXX, XX/XX/year> XXXX late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting information that they themselves told me they removed as fraud from my report on XX/XX/XXXX based on the dispute I opened and the FTC affidavit, Police report, and proof of identity I submitted. They state that since collection agencies purchased this information and opened these entries as new accounts - they are showing them. Even though they have retained the information that the Original Creditors and related accounts were deleted due to fraud. I submitted the exact same information to XXXX and they reinvestigated and immediately delete the information ( see attached ) I submitted my original dispute on XX/XX/XXXX and subsequent dispute on XX/XX/XXXX which I am attaching which has my detailed complaint. I also opened a complaint with you and you just closed it because they did a system review. This is wrong, they legal need to show proof that these accounts are mine and neither they nor the collection agency can show that proof - that is why XXXX had to delete the accounts in the first place. Please read my complete complaint attached and also review the documentation from XXXX that they deleted the collection agency 's information from my report. I also just received the same deletion information from XXXX as a result of Credit Dispute # XXXX
Product: Debt collection

There is a XXXX XXXX obligation that is reporting on my equifax credit report. This account is in violation of the FCRA for multiple inaccuracies. 1. open date is incorrect, 2. Date of last active is incorrect. 3 Date of last payment is incorrect, 4. Monthly payment is reflecting incorrect, ( ruining my debt to income ratio ) 5. The account is reporting like its a revolving account and shows 120 days late 19 times These are all direct violations of the FCRA for inaccuracies. But when disputed they come back as verified, they have ignored my request for method of verification. Also this account reports as though its an active revolving account but there was never an inquiry, nor ANY extension of credit. under section 604 of the FCRA this does not fall under permissible use. Lastly this matter is civil and NOT a breach of contract there for it should not even be on my credit file in the first place as it does not reflect my ability, stability and willingness to pay my debts.
Product: Credit reporting

XXXX XXXX XXXX had placed an inadequate collection account on my credit reports in the amount of {$55.00} from XXXX XXXX, Account # XXXX, XXXX, Equifax and now XXXX. I called XXXX and told them this was incorrect and I talked with a supervisor on XXXX/XXXX/XXXX and she immediately removed this account : I call Equifax and told them that this was not correct and it should be removed that XXXX had removed this and they stated that they could not remove, only XXXX Collections could. I could dispute it so, I had XXXX Law dispute and two day later it was verified by XXXX that it was mine and they would not remove it, I asked how was it verified and he ( Eqyuifax ) would not tell me. I stated that this was old XXXX XXXX and it had been on my report before and had been removed years ago and they still refused to take this off, ( it would be due to come off in XXXX XXXX ). Now they have put it on my XXXX report, I called XXXX on XXXX/XXXX/XXXX and they refuse to take this off also. XXXX received this bill in XXXX and placed on my credit reports back then I had it removed. On XXXX/XXXX/XXXX I paid XXXX XXXX ( receipt attached ). They stated everything was paid but XXXX so if I had a bill for the XXXX XXXX it should have been paid from of that money. I have asked XXXX Collections to provide me with a list of what I have paid and so far I have not received anything. Why can XXXX XXXX see that it is not correct and remove it and the others can not. My credit is being ruined by these XXXX companies.
Product: Debt collection

Dont remember everything, just know de person was very rude and nasty 2 me on my cell phone of me get properties taking away and needs be in court if not i will be sued lawsuit against me_ LVNV Funding LLCXXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX account # : XXXX, has violated my rights 15 U.S.C 1681 section 602 A. This states that i have the right to privacy. 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Inquires made without authorization. Fraudulently Opened and reporting on my credit report. 
Account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have no binding contract with the company and information is inaccurate.
Product: Money transfer, virtual currency, or money service

Greetings CFPB, On XX/XX/23 I initiated a transfer of {$1400.00} using my Venmo app to pay a business account owned by the movers dropping off my belongings at my new home. 

They insisted on payment before they started unloading items, or even before I had to a chance to see them in the truck. 

I opted-in to Venmo 's XXXX XXXX XXXX '' offering which claimed that I would receive a " full refund if an eligible purchase isn't what [ I ] paid for '', because this moving company had already rescheduled thrice on me, and I was wary of the fact that they sent 1 man and his wife to unload the entire truck.

Upon all the items being unloaded, I noticed that 3 items were missing, and several more were damaged. The missing items were computer monitors that are vital to my partner 's work as a software engineer, and their absence greatly impacted his ability to search for a job after his recent layoff. A vacuum I was quite fond of was also missing. 

I estimate that the monitors are worth {$2200.00}, and the vacuum {$280.00}. I got these prices form XXXX I also estimate there was about {$1200.00} dollars more in damages to items I received, the largest of which was a headboard which no longer attaches to my bed. ( entire bed frame retails for {$2700.00} on CrateandBarrel.com ) I first attempted to reach out to the moving company, and they said they would investigate. When they offered no remedy, I filed a dispute with Venmo to partially compensate me for the damages. 

Venmo then informed me that an agent would reach out within XXXX business days to collect more evidence to properly investigate my claim. 

I was quite surprised when the next communication I received from them was an email stating that my claim had been closed and they had ruled in favor of the merchant. 

I called them again to complain and demand a chance to have my side of things be heard, and they once again said that a representative would reach out over email within the next XXXX business days, and today, I have again received an email letting me know that my claim is closed and they are ruling in the merchants favor. 

Please find attached the details of the Purchase Protection Venmo allows you to opt-in to, a police report I filed with the XXXX XXXX Police department XXXX where I moved from ) I am currently living in XXXX, and when i called the local police department, the person over the phone refused to take my police report " because I could not say with 100 % certainty that the crime took place in MI '' I am happy to provide further documentation on request
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Though I still have my credit card with me, somehow my information was stolen, perhaps by a gas pump card reader, which I suggested to the credit card investigator, and a charge of XXXX dollars was used against my card. The credit card company called me and told me about suspicious activity and I immediately cancelled the card and was sent another one. They did not suggest me filing a police report, so I did not think about it. An investigator did call and I suggested maybe my card info was stolen by some type of card reader. The purchase was made on XX/XX/XXXX and the info state XXXX XXXX XXXX XXXX   XXXX, PA. I have never been to Pennsylvania, let alone XXXX. I tried to explain this to the investigator..What they are claiming, since I never lost the card, that it isnt fraudulent Which is obviously not the case, somebody stole my identify info. I have records showing I was at work here in Arkansas when the purchase was made in XXXX, PA. I would love to match my signature with the bill of sail. This is ridiculous.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed some inaccurate personal information the needs to be updated and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the companies directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, XXXX  & Equifax ) to investigate the late payments for me. In return these companies  never responded to my request. 

XXXX XXXX XXXX  are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : cOLLECTION XXXX XXXX XXXX XXXX XXXX XXXX Prev. Address : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an or
iginal Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed {$2000.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXX  XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$3800.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} - Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX $ XXXX Charge off XXXX XXXX************** Date Opened : XX/XX/XXXX Balance Owed : {$330.00} - XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block , inc ) due to an adequate customer service and unfair practice, which violate the consumer financial protection act specifically Cash App failed to take time and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and perspective. These actions caused financial loss and I seek appropriate REDRESS for these violations.
Product: Money transfer, virtual currency, or money service

My complaint is towards Coinbase where I previously had XXXX euro  stored with them in what I believed was a secure wallet. On XXXX.XXXX.2017 I tried to login to my account at XXXX ( a subsidiary of Coinbase ) which I accessed through XXXX ( the first link in the search ) and was instead taken to a phishing site XXXX, set up exactly the same way as the original site. I tried to login and after two failed login attempts using my XXXX protection codes I recieved two emails, one which stated my email account had been accessed from an unauthorized location, and another to say I had transferred the entirety of my account in the form of XXXX to an unknown address ( screenshots attached of both emails ). After this happened I obviously contacted the company via email to explain the situation, whereby I was reasonably promptly sent a generic reply saying they had blocked my account and asking me to complete a series of questions as a security review. I changed my passwords as suggested and was told I would recieve a reply within 5 days. In the meantime I did some research online and realised I was not the only person to fall victim to this fraud and that Coinbase had been  notified of this security breach as many as 11 days earlier via XXXX ( screenshot attached ) yet failed to do anything about it in order to ensure their customers were suitably protected. When I did recieve the reply a few days later, it was once again a generic response which somewhat predictably washed their hands of any wrongdoing and implied I would not be able to get my funds returned to me. After speaking to others who were scammed the same way and who have since seeked legal advice, Coinbase should be held liable for this breach of security and should refund their customers as they failed to act quickly enough to extinguish the threat. I hereby declare that I would like my original amount of XXXX euro refunded to my Coinbase account and my account unblocked as soon as possible or I too will be forced to take legal action against the company