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

HELP PLEASE!!!! 
I was applying for a hybrid home equity loan. There is an old PAID delinquent MEDICAL account which the reporting company refuses to remove from my credit report. This one MEDICAL item has turned my credit score from XXXX to XXXX. It resulted in my not being able to get that particular loan and will result in higher interest rates for the next loan I am trying to secure. This one {$200.00} PAID item is going to cost me thousands of dollars over the length of the next loan.

I contacted the credit reporting company and they refuse to remove it from my record even though it is paid. It is criminal that this one very small {$200.00} collection has negatively affected my credit score to such an extent. 

The item in question was a very old medical collection I wasn't even aware of. I had moved from XXXX  to XXXX and was never made aware it even existed. I paid it several months ago when this debacle began yet they refuse to remove it from my record. 

HELP!!!!!
Product: Money transfer, virtual currency, or money service

I tried to transfer 5 LTC from XXXX to Coinbase. The Coinbase site generated a XXXX address in their finicky tool instead of a LTC address. XXXX processed the transaction to the incorrect address. Coinbase withholds the private keys to the XXXX wallet and support does not respond requests for the private keys so my funds are tied up on the block chain.
Product: Credit reporting or other personal consumer reports

I do have a XXXX XXXXXXXX XXXX XXXX with limit of {$10000.00} since 2021.Today XXXX at XXXX PM, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. 
I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/XXXX and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX PM to XXXX XXXX 
Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to XXXX XXXX XXXX Supervisor. When XXXX XXXX come online and when I ask him if he is XXXX XXXX XXXX XXXX Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. He spoke with his manager and say that he will transfer to XXXX XXXX XXXX Supervisor than put me in hold then after few minutes after he back and say he not allowed to transfer to Credit Resolution Team Supervisor but transfer to his Manager XXXX XXXX. XXXX XXXX said that we do not have a XXXX XXXX XXXX Supervisor and I guess she misguided me and also said that I should call Transunion who provide them that XXXX score and that credit score bring my credit limit down to {$250.00} only from {$10000.00} to {$250.00}. 
Further XXXX XXXX, XXXX told me that she is highest rank officer to reach by the consumer like me to any issue. With XXXX XXXXXXXX XXXX XXXX When I call XXXX XXXX XXXX XXXX, before XXXX XXXX pick up the phone, its automatic system informed me that all calls are tape. So, credit card company do have all conversation in tape, if they do not provide you, I did tape this phone conversation and glad to provide to CFPB. 
After suggestion from XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX Customer Service dept. I did call on her suggestion to call Transunion XXXX as it also provided in their letter. So I did call Transunion today XX/XX/XXXX and spoke from XXXX pm to XXXX XXXX  and spoke with XXXX XXXX at Transunion. She mentioned to me in their records still showing the limit on this particular card is still {$10000.00} and suggested me if its reduced to {$250.00}, I can dispute with Transunion. She further mentioned that Transunion use XXXX XXXX XXXX and might bank use the average credit score of three credit Bureau not just Transunion credit score on XXXX XXXX showing XXXX as per credit card letter XX/XX/XXXX to me. I asked XXXX XXXX do I have right to dispute this with CFPB. So I dispute with both in this complaint. 


What is my credit XXXX on XXXX XXXX. Because XXXX XXXX XXXX XXXX decrease the limit from {$10000.00} to {$250.00} only on base of credit score obtained from Transunion was XXXX on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Brclysbankde XXXX, DE XXXX Per my credit report, this organization has ran my credit 7 times in the last 8 months. I've never heard of Barclays and have not provided them my personal information to allow them to run my credit. This are fraudulent inquiries and must be deleted.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding the inaccurate reporting of multiple late payments by these creditors to Equifax. Their records incorrectly show several payments as late, despite the fact that they were made on time. These false late marks are negatively affecting my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Date : XX/XX/year> Dear CFPB, I am writing to inform you that I am a victim of identity theft. I have been made aware that fraudulent information is being reported to your company, damaging my credit and reputation. 

I have contacted the previous companies involved and attempted to resolve this issue. Unfortunately, I believe they are not complying with the law, specifically 18 USC 1341, which pertains to fraud and swindles. This has resulted in a deformation of my character and a violation of my consumer rights.

As you are aware, the law requires that any fraud be blocked and removed from a consumer 's credit file. It is illegal to hold or obligate a consumer to disclose or furnish any information on a credit report. This is a clear violation of 15 USC 1681e and 1681b, which outline the requirements of credit reporting agencies to ensure the accuracy and fairness of consumer information.

Furthermore, your company 's failure to conduct a reasonable investigation of my dispute regarding the incorrect and fraudulent information on my credit report is a violation of 15 USC 1681i.

I request that you take immediate action to : 1. Remove all fraudulent information from my credit report.

2. Block any further reporting of this information.

3. Conduct a thorough investigation into this matter.

Please confirm in writing that these actions have been taken. I appreciate your prompt attention to this matter, and I look forward to resolving this issue. 

Please remove fraudulent accounts with Navy Federal Credit Union, XXXX XXXX XXXX XXXX  Consumer ID number XXXX, and all reporting agencies, account numbers are listed below. 

Navy Federal Credit Union account numbers - XXXX - XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

I tried to open a CD with BMO XXXX XXXX XXXXXXXX. They declined my application because of information received from XXXX. I asked the bank what the information was and they refused to identify it. They said the information came from XXXX. When I contacted XXXX, they gave me a copy of the disclosure report, which is clean of any credit blemishes, there was really nothing in there. They said the bank makes the final call on whether to reject the account. The bank will not tell me the issue. XXXX says there is no issue. I can not get a straight answer from anyone at the bank as to the issue with opening an account. 

The manager has been rude and refuses to explain the bank 's reason. His name was XXXX. He refused to give me his name. He refused to put me in contact with his supervisor. He was a manager. I had elevated the call from the people that answer the phone.
Product: Credit card or prepaid card

I have an account with Venmo and they have a facility where they provide a prepaid card that can be used in stores. When used for purchases, Venmo takes the amount in increments of {$10.00} from an enrolled bank account, to reload the card in order to cover the purchase. I found this a good service since it increases security where my bank ATM card is not exposed ; when not in use, I can easily turn off the auto-load feature from a mobile device so even if the card gets lost or stolen, they wouldn't be able use it for purchases or to get any cash. 

On XX/XX/2020, I used the card to pay for groceries in XXXX for the amount of {$52.00}. The terminal declined the initial charge attempt and asked me to re-try. The second charge attempt was successful. However while reconciling my account, I found that Venmo charged me twice for that transaction. The day after, they reloaded the card by taking out money from my bank account twice for {$50.00} each, ostensibly to cover for the charges. The XXXX receipt clearly stated that the initial charge attempt was unsuccessful by marking it as EMV DECLINED, however the Venmo statement carries both charges. 

I reported the issue to Venmo twice but on both occasions, they denied the disputed amount saying that " an error has not occurred and the dispute claim has not been resolved in your favor.This decision was made because we found that you were only billed once for this transaction and there was no duplicate transaction. '' However, their own statement belies this claim since there are 2 entries of {$52.00} and 2 reloads of {$50.00} each that were taken from my bank account. The initial charge and reload are then  considered unauthorized draw-out from my account. Venmo has not refunded the balance back to my Venmo account.
Product: Credit card

I have a XXXX Credit Card from Synchnrony bank. 

A while back I had problems making payments. I called Synchtony bank and agreed that I will close this account and start making fixed monthly payments until the account is paid off. In return, Synchrony will not charge me interest or late fees. 

However, for the month of XXXX, I was charged {$840.00} of interest. 

I called Synchrony bank to reverse this charged, but they refused to reverse it claiming that the charge was accumulated interest on promotional balance.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, unauthorized accounts and inquiries have appeared on my credit report. I am requesting that the following accounts and inquiries be blocked and deleted from my credit file as outlined in 15 USC 1681c- 2 ( a ) and FCRA 605 ( b ) : Accounts to be blocked and deleted : XXXX. XXXX XXXX XX/XX/XXXX {$11000.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX. XXXX  XXXX XX/XX/XXXX {$0.00} Fraudulent Inquiries to be blocked and deleted : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681e ( b ) Accuracy of report. 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. Accounts should be reporting 100 % accurate information across all 3 credit Bureaus ( XXXX, XXXX and Experian ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. INCORRECT BALANCE {$1400.00}, I HAVE SETTLED AND CLOSED THIS ACCOUNT. 
I closed and paid this account on time ( never late ) XX/XX/2020, However there is reporting error following next statement on XX/XX/2020 to XX/XX/2020. I STRONGLY Believe the closed account was fraudulently re-bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit reports on line. There we re a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.   <P/> My inquiry   to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed none of the Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
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The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
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Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
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Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the EQUIFAX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I became aware that IQ, Int'l, Inc filed a invalid debt on my credit reports.I called the company and soke with XXXX XXXX who transferred the call to XXXX XXXX when I asked for an invoice or bill and copy of the contract between IQ, Int'l and XXXX XXXX. XXXX XXXX said " NO. Pay your bill. '' I asked, again, for the verification of a debt or contract between us. XXXX told me to write and mail a letter making the request. I chose not to do that at my time and expense when a phone call is enough to prove that XXXX XXXX and IQ Int'l hae not made any contracts that resulted in a debt owed IQ, Int'l, Inc from XXXX XXXX XXXX 

I want the lies by IQ, Int'l, Inc removed from all the credit reporting agencies and I want a government lawsuit for Extortion filed against IQ, Int'l, Inc. as they are demanding money from XXXX XXXX under the threat that unless she pays them without any contract or knowledge of the debt they have assigned to her credit reports, she suffers bad credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX tax XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ca XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX md XXXX westlake financial accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ca XXXX bankruptcy XXXX XXXX discharged XXXX. I have a right to private
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inquiries via internet to all 3 bureaus and Im. It getting any where this inquiries were not made by me at all
Product: Debt collection

I've contacted to collection agency and asked for the purchase agreement and they said they did have one to send me..
Product: Debt collection

I am writing to formally dispute inaccurate and unverifiable information on my credit report under the Fair Credit Reporting Act ( FCRA ). The following accounts have been reported inaccurately, and I request their removal from my credit file : Credence Resource XXXX XXXX XXXX XXXX I am requesting an immediate investigation into these accounts, as they appear to be erroneous and/or unverifiable. In accordance with the FCRA, if the disputed items can not be verified within 30 days, they must be deleted from my credit report.

Please provide me with written confirmation of your investigation and the resulting actions. If these accounts are verified, I request documentation proving their validity, including the original creditor information, signed agreements, and a complete payment history.

Thank you for your prompt attention to this matter. Please update me with the results of your investigation at the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting on XXXX of my credit reports ( XXXX and Experian ). I have contacted both credit bureaus on more than XXXX occasion requesting this be investigated, the method of verification provided and for the account to be removed. I have also provided a letter from the court stating that they do not report public records to the credit reporting agencies, however I continue to receive letters stating that the debt has been verified but have failed to provide the method in which the debt was verified after several requests. In accordance with the Fair Credit Reporting Act, my rights have been violated. 

15 U.S Code 1681 Section 602A, states that I have a right to privacy.

15 U.S Code 1681E ( b ), states that a consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccurate information in my credit report. Despite my submissions, Equifax consistently responds within 24-48 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 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. XXXX ) against them for similar violations. I request that the CFPB takes action to ensure that Equifax complies with federal law and provides consumers with the necessary proof of investigation. The following accounts listed are the accounts that I have disputed. 

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

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion, Experian, and Equifax credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX Bank on XX/XX/XXXX, and an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I sent a validation letter to this company, I asked them to provide me with the documents that say that I have an obligation to pay them, the original contract with my signature on it and they only sent me a copy of a bill which it does not prove that the debt is mine, I need this company to send me all of the documents that I asked for, I want to see the original contract that obligates me to pay them, by law I have a right to see the original contract and it must have my signature on it. Even the address on the bill that they sent me is incorrect, that is not my address. This company put a collection on my credit reports and this is affecting my credit score badly. This company has not proven to me that this debt belongs to me, in order to do that, they must provide me with the documents that I asked for.