23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

At XXXX XXXX CST on XX/XX/XXXX, I transferred approximately a sum of the cryptocurrency Litecoin worth {$2600.00} and received an email from Coinbase confirming that my transfer had been received and was being confirmed. At XXXX XXXX, I received another email notifying me that said transfer had been confirmed and that the funds were being transferred to their exchange, XXXX. According to the XXXX website, " Transfers between your Coinbase wallets and XXXX  account are instant and free '' ( XXXX XXXX XXXX ). In the six days which have passed since I received this email, however, I have yet to receive any funds in my XXXX account, where my Litecoin balance still reads XXXX. 

On the morning of XX/XX/XXXX, I opened a support ticket with the company. Within the hour, I received two automated emails which contained links to the company 's FAQ pages. The second of the two automated email directed me to respond if my problem had not yet been solved, so I sent a response at XXXX XXXX on XX/XX/XXXX which stated that my Litecoin was still missing. I sent another response at XXXX XXXX on XX/XX/XXXX in which I restated my concern for my missing funds and provided more information. I have yet to receive any emails which address my specific issue or which were written by a human being.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I requested a purchase agreement, agreement to sell, or service agreement agreement with my signature between myself and said company. 
XX/XX/year> I disputed it with XXXX after I did not receive proof of debt from each company. 
XX/XX/year> I mailed XXXX, XXXX, and XXXX a letter requesting verification of debit XX/XX/year> XXXX Verified the debit and said it would remain on my report XX/XX/year> I requested a verification method including dates, times, and how they verified the debt and disputed it again. 
On XX/XX/year>, I sent a certified letter to XXXX XXXX, XXXX. XXXX XXXX, Midland Credit Management, XXXX, XXXX, and XXXX requesting a verification method. 
XX/XX/year> They sent another message saying my debt was verified with NO verification method and also opened a new online dispute asking for proof of service and method of verification XXXX I received a message from XXXX only saying the dispute was modified and would remain on my report again, with no verification method given to me On XX/XX/year>, I demanded proof and verification of the debt from all three debt holders and credit bureaus, and XX/XX/year>, I received another message from XXXX that the debt was verified without providing me with a method of verification XX/XX/year> I am reporting to CFBD and sending a letter to all companies notifying them of this decision to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

No knowledge of acct. never received notice and need this removed immediately due to FDCPA and FCRA violations... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to TransUnion on numerous occasions in regards to two unauthorized inquiries that have not been removed. The two inquiries are XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX As a result I am requesting for these two unauthorized inquiries to be removed from my consumer report. This should NOT be reporting as I, XXXX XXXX, did not submit any applications to neither of these lenders for a line of credit or any banking services.
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 the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information needs to be removed and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received correspondence from a Macy 's Account Executive by the name of XXXX XXXX, who informed me that my social security number, my license, and my mailing address had been submitted to Macy 's for an application, along with a signature, therefore they do not believe the account was opened fraudulently. I called him at the number listed in the letter, and left a voicemail stating that my ex would have easily had access to ALL of those items and more, given that we were together for years. He has not bothered to call me back. He also flat out lied, claiming that the Macy 's rep did not assure me that paying off my ex 's debt would be the path of least resistance to both getting the negative remark removed from my account, as well as closing the account in full ( neither of which happened ). That phone call DID happen, but Macy 's did not close the account. Macy 's opted to lie further about what was promised initially. And Macy 's refuses to listen to me when I tell them I did not sign anything, I did not authorize my ID being used to open this account, and I did not give my social. Again, my ex had access to all of this. In fact, my signature is even saved virtually on my computer in XXXX XXXX XXXX XXXX. Everything was in his reach. The address they provided belonged to my ex. I am in XXXX California, the address given is in Hawaii. I don't understand why they are refusing to acknowledge that I did not apply for this account myself. I want the negative remarks removed. And I want the account FINALLY CLOSED or have myself removed FROM it. I have a sneaking suspicion that they can't close it without my ex 's permission, which is indicative of the fact the he is the primary account holder or he needed to use my information to open the account because he would not have been approved on his own. I was not even aware that my information was being used until I received a credit alert. I don't check my credit report unless I am notified of issues, which I was.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX & XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX & XXXX XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/year>23 Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Debt collection

I went to use my debt card Saturday XX/XX/XXXX it was declined I called the bank to figure out why and learn I had a garnishment and my account was frozen the bank gave me a number to call, I called to see what was going on to learn that I had been sued by zwicker and associates in Ohio a state I haven't lived in for 15 years and was sending all correspondence to a XXXX XXXX XXXX address in Ohio instead of my address on file with the original creditor. The " attorney '' I spoke with was completely unprofessional and refused to give me any information saying it was all confidential even though the suit was against me and refused to release my account even though they illegally sued me in another state and i never received any correspondence of said suit or debt collection and the disclosed my information of my debt to an unknown individual. I had to get in contact with the original creditor to explain the situation whom then contacted zwicker and associates to file a motion to vacate and release my account because the address they used was not one in my file or the state I live in. Zwicker and associates are practicing illegal tactics to not notify the parties with malicious intent for parties to not show up to court. If this happened to me, how many other people has it happened to? I believe zwicker and associates need to be investigated. My rights were violated.
Product: Debt collection

Called by XXXX, told I owed XXXX {$700.00} to XXXX XXXX ( I do not use this energy provider ). Address provided was incorrect. They advised me that someone was likely using my identify and to file a police report, but they also asked for last XXXX of my SSN and mailing address to send physical bill which I gave them. I have since blocked their number. 

Upon looking this up, others with similar experiences have said the company is XXXX XXXX and that it might be a scam.
Product: Credit reporting

Tried to submit an EXPERIAN credit report error several times on several different days through their website. Every time it says the website is down and to call their XXXX number to report the dispute by phone which no one ever answers. It 's IMPOSSIBLE to get through to these people and get a credit report corrected!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reached out in writing regarding my consumer credit report from XXXX XXXX XXXX about unauthorized inquiries. I have not given ANYONE permission or consent to do so, as I have not applied for credit for a while with these companies. I am giving you as much information as I can to help you with this re-investigation demand so please feel free to utilize this information.

According to section 604 FCRA, I would greatly appreciate if you would provide me for what is called a permissible purpose or proof that I applied or initiated these inquiries from each company listed. This poses great concern about my security and the privacy of my credit being at risk. If no proof or evidence with supporting documents is found, please delete these item ( s ) immediately. 
If these inquiries are concluded to be originated online or by an internet source, please provide the IP address associated with the alleged inquiry. 
I have also contacted the creditor ( s ) in question, and they claim they have no proof either, of each initiated inquiry, no written authorization documented, and each company has failed to provide me a permissible purpose or proof. Because the creditors in question could not provide proof of authorization whether written or verbal, I am asking that each alleged inquiry be deleted from my credit report of XXXX. The alleged inquiries are unproven, non-compliant, and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose.

Section 604 states that a permissible purpose of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Please read on ; section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under 15 U.S.C. 1681i, paragraph ( 5 ) treatment of inaccurate or, unverifiable information ( A ) In general, If, after any reinvestigation under paragraph ( 1 ) of any information is found to be inaccurate, incomplete, or can not be verified the consumer and the reported agency shall ( i ) promptly be deleted.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never gone to XXXX XXXX XXXX XXXX XXXXXXXX, I have contacted XXXX XXXX  several times and they find the account or show me were I have been there. I have filed a police report and files small claims against XXXX XXXX  and firstpoint collect resources inc for report fraudulent account to my credit file with knowledge this wasn't my account. I live in XXXX South Carolina not NC
Product: Checking or savings account

I am writing to report a serious issue regarding my Citibank account. I recently experienced unauthorized transactions on my account during a vacation in XXXX XXXX, and I am deeply concerned about the security of my account. 
On XX/XX/2023, I received an email notification from Citibank confirming that a check was deposited into my account. Concerned about the unusual activity, I immediately contacted Citibank 's customer support to inform them that I did not authorize this deposit, nor did my authorized user. Citibank 's representative informed me that they had placed a fraud alert on my account, which was reassuring at the time. 
However, the situation escalated rapidly. Within a matter of hours, several additional checks were deposited into my account, and the funds were subsequently transferred via XXXX and XXXX XXXX to various individuals, none of whom I authorized to access my account or my funds. 
In response to this alarming turn of events, I took the following actions : Filed a formal report with the local police department to document the fraudulent activity. 
Submitted a complaint to the Federal Trade Commission ( FTC ) to report the incident and seek their assistance. 
Informed Citibank of the situation, providing them with all available details and documentation. 
The issue has not been resolved and it is causing a hardship.
Product: Checking or savings account

I closed two American Express Savings accounts on XXXX XXXX One account had approximately {$7000.00} The other account had approximately {$17000.00} I was told regarding the first delay to stop payment and they would issue new checks which I did in early XXXX They have said new checks were issued but I have still not received them It has been over 90 days without receipt of funds
Product: Debt collection

I am being told that I owe a debt of {$1000.00} to XXXX. However, I am not aware of the services and/or goods that were rendered to encounter this charge. I am requesting in writing the charge date, items received, receipts with signatures authorizing the charges and/or receiving merchandise or services. I would also need the date in which the services/merchandise was rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Identity Theft XXXX Account Number : XXXX Delete this account. 
3. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Account Number : XXXX Delete this account. 
5. Validate Inaccurate/Reported Late payment XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
6. Validate Inaccurate/Reported Late payment XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
7. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL 9. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX LOWER LAKES ESTATES XXXX XXXX, MO XXXX 12. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL 14. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX LXXXX XXXX XXXX XXXX XXXX, MO XXXX 17. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX 18. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2000
Product: Credit reporting or other personal consumer reports

I requested validation & verification under the fair debt collection, practices act for several different accounts, which they did not provide any verifying information whatsoever.

I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 USC 1692C C 15 USC 1692 G 15 USC 1666 15 USC 1666B ( a ) Section 607 15 USC 1681 ( E ) XXXX, XXXX XXXX and Equifax are direct violation of laws passed by Congress FCRA. I have disputed these accounts multiple times, and they are ignoring the law in relation to my consumer rights. Theyre only response has been we have verified the information theres no name theres no documentation theres no balance sheet. Theres nothing whatsoever that can factually attach me to these alleged accounts that they are claiming belong to me and our negatively reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to refinance my mortgage and Factual Data/XXXX is reporting unpaid tax liens which is inaccurate. I have even submitted certified tax lien releases and it is still showing on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax are ignoring my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit reports/files that were not initiated by me.
Product: Vehicle loan or lease

-Purchased a new XXXX XXXX from XXXX XXXX in XXXX , CT XX/XX/XXXX. 
-Dealer told me to get lowest interest rate I had to purchase a service contract {$1900.00} which I did. 
-I later found that according to the service contract, purchasing a service package should not be required to get the lowest rate loan. 
-I filled out the paperwork from XXXX XXXX XXXX to cancel the contract. They stated my request was completed on XX/XX/XXXX and stated it was sent to the dealer for them to remove the charge from the bank loan. It was supposed to happen in 6-8 weeks. It is now XX/XX/XXXX and it has still not been removed. 
-I contacted the dealer last week and no response. I left a XXXX review. No response. 
-The balance is still not removed from my loan and I am paying interest on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I'm looking forward that the disputed items will be updated and repaired 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

At XXXX XXXX they called requesting payment as it was due on the XXXX.  I let them know I will be paying the bill on the XXXX when I get paid, I asked for them not to call me again before the XXXX. At XXXX XXXX they called again requesting payment and wanted to know why I cannot pay today.  I let them know again that payment would be made on the XXXX, please do not call me again, I am at work.  At XXXX XXXX they called again, I told them if they do not quit calling me that I would turn them in.