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

I am writing to follow up on my previous complaint regarding the mishandling of my credit dispute by the credit bureau. Despite submitting a formal complaint a month ago, I have not received any resolution or substantive response. After my initial dispute was inadequately addressed, I filed a second dispute with the bureau. According to the Fair Credit Reporting Act ( FCRA ), the bureau is required to inform the furnisher of the disputed information and provide them with all relevant documentation. This legal obligation has not been fulfilled, as the furnisher continues to report the inaccurate information without any verification or correction. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid. 

XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid. 

XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid. 

XXXX XXXX  : Account number : XXXX, To the best of my knowledge, this account has never been paid late. Please look into this late payment and ensure that it is updated as paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2018 I disputed a account that's reporting inaccurate information on my Equifax Report. The inaccurate is XXXX XXXX # XXXX. In XX/XX/2018 I disputed the account again and they continued to report back as verified. The XXXX XXXX account is reporting as charged off. So if the account is charged off there should not be a monthly payment reporting on this charged off account per the FCRA. So Equifax has been reporting this inaccurate information and it needs to be removed from my report immediately.. No charged off account should be reporting a monthly payment,, I have enclosed copies of the account showing a monthly payment of {$2500.00}. Please remove the alleged account from my file ..Equifax is not reporting 100 % accurate information,,
Product: Credit reporting or other personal consumer reports

Ive recently been Disputing inaccurate information that is being reported on my credit report by all 3 credit bureaus XXXX, Equifax, and XXXX and I truly believe that my disputes were not investigated properly, even with providing proof with pictures of inaccurate reporting and also requesting for theses companies to provide me with proof that the alleged debt belongs to me. After these accounts have been verified over and over by all 3 credit bureaus, I still have not received any proof of these alleged debits belonging to me the only thing Ive received is a letter saying that these accounts have been verified and are reporting accurately. Ive asked for several reinvestigations and information on how these accounts are being verified and investigated and still nothing but these accounts have been verified and are being reported accurately. These credit bureaus are allowing companies to verify accounts without providing proof or documentation and my consumer rights have been violated over and over again. I have attached all my documentation, proof and pictures to this complaint and I am also aware of the CFPB lawsuit against both XXXX and Equifax for Improper Investigations of Credit Reporting Errors, which I truly believe I have been a victim of. If a proper investigation was preformed, I believe the inaccurate information would have been removed from my credit report. These accounts should be removed from my credit due to inaccurate reporting, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. Ive also noticed every time I disputed these accounts, they get updated with different information so that they can be verified as accurate. I have attached supporting documents to my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did contact Equifax to move all my ITIN credit history to my new SSN. They told me I should send a letter asking for this with a copy of my important documents, I did it on XXXX, they told me to wait XXXX business days, so today XX/XX/2021 I did call to check if my information has been updated. Their answer was that they don't know exactly what happened to my documents, that they have a machine that read and process whatever is received via fax, and that in the majority of cases, the machine just can't read the ugly fax documents and just like that, in silence, the documents are now lost. They told me there's no way for them to know what happen to the documents and there's also no way to post a complaint, as they are the only ones available to take customers, they were not able to raise a complaint also, so basically it's a dead-end... please help. 

They told me to send the documents by fax, again, and again... and I did ask, why? to be rejected again? but the guys there are like recorders, they just say this time after time.
Product: Checking or savings account

On X/XX/17 Wells Fargo withdrew money from my checking account for a charge that I do n't recognize. Maybe it should have been taken out, maybe not, I have no way to find out because I called them and they told me that it was an online transaction by XXXX XXXX and the online withdrawer had my account number but nothing else. I repeated that I needed to know what it was for and they told me that unless I stated that I did n't receive any services or product for that withdrawal, they could n't investigate the charge. I objected that I did n't KNOW what the charge was for and that 's why I contacted them. I could n't LIE and say it was n't legit when they could n't tell me anything other than that XXXX XXXX had my account number, else they could n't have made the withdrawal. I again refused to lie and asked to speak to a supervisor. She said she was sorry and they did n't do business like that - and I pointed out that they just had! She went on to create further problems. I gave her my account number over the phone and she said it was too long. I read it right off my check! Then, she told me the number she had and she had it wrong. She finally put me on hold and after waiting way too long, I hung up and called their main headquarters in XXXX XXXX. There, I was told that I should n't lie to the bank and I needed to go into a branch office so that they could call their back office and help me. Baloney! I should be able to call and get the information about that charge and it 's not my fault they did n't get all the information they should have before they took it out of my account. I told them I was XXXX and ca n't easily get to the bank, but that should n't make any difference - they should be able to give me information on money they took out of my account when I call the main customer service number - not tell me I have to lie to get that information or go into a branch so they can call their " back office '' from there. There 's something really XXXX about all this and I need some help!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/2021 This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft DISCOVER Account Number : XXXX This is not mine.
Product: Checking or savings account

I have struggled with nationwide since I became a member and it starts from not being able to use the bill pay service or the external transfer service with no explanation. A work order was created and never did I hear a response or is the issue fixed. My issue now is that on XXXX, 2018 I deposited a check for {$500.00} this check came from the state of Colorado a government check with a phone number on it that reached directly to the department that issued the check, my name and address on the check matched the name address on my nationwide account but yet nationwide was unable to verify the check it must of been the day all the monkey 's were running the office or something. Anyways the state of Colorado check the as flagged for some reason, just because everyone XXXX XXXX here doesn't mean were all out bouncing checks. So my account was restricted and for a consumer who has one bank and puts all their money into the bank locking someones account has a greater affect then I think the cows in loss control realize. They requested a cleared copy of the check which on a check from a personal account is fairly easy it's however hard when its the state of Colorado but I fought and got it for them. Even a CSR said that was weird for a government check they would request that so my account has now been locked for 3 daysbI couldn't by my dog food and ive called in 20 times and it was escalated due to the importance of this situation and they have yet to lift the restriction
Product: Debt collection

I am in the XXXX  program for XXXX  and XXXX  people. I have been trying to get XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NC, XXXX XXXX to leave me alone. Yes I was in the hospital for nine days but I gave them all of my information from my XXXX  card, my XXXX  card and I am not willing to fight with them anymore that I don't have to pay the XXXX  deductibles, co insurance and co payments. The bill is for {$1400.00} from XXXX XXXX. It has now been sent to a collection agency called Paragon Revenue Group located at XXXX XXXX XXXX Ct, XXXX, NC XXXX. There phone number is XXXX. I don't no what else to do. Please help. I really hope that this agency can fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

My account was restricted for reasons only known to coinbase, Ive banned from sending and recieving crypto on coinbase, wasnt even allow to make new deposit or withdraw ... the only given option was to withdraw my funds from the coinbase via my linked bank account. My linked bank account is no longer active which means I might need to link another bank account to coinbase before I could make a withdraw. Ive been restricted from doing this aswell ( Im not allowed to link a new bank account ) coinbase has been holding my money hostage since 2020. My investment plan was ruined last year. Now I cant even take out what I have left in the account which is a total of {$21000.00}. Im sick and Im tired of this. 

Sent an email to coinbase on XXXX of XXXX and I got the response that my case has been transferred to a specialist. Nothing else has been do by coinbase ever since My email is XXXX Amount left in coinbase is {$21000.00}
Product: Checking or savings account

PNC announced opening bonus {$400.00} for business checking. 
Terms : {$2000.00} remain 90days and use 20 debits card with in 90days. 
I met this rule before XX/XX/year>. 
And 90days past around XX/XX/year> But PNC bank didn't give {$400.00} to my account
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 while in XXXX my wife and I used a Wells Fargo Visa card at a local ATM machine. The transaction proceeded and the money door opened showing the money, I grabbed my card and went to reach for the money when the door suddenly closed and the cash disappeared. I used the same card a second time and successfully quickly grabbed the money. 

When the two transaction showed up, each for {$190.00}, on my WF statement I filed a protest claim with Wells Fargo to ask the local bank for reimbursement. WF investigated and concluded that the transactions were proper and the local bank which owned the ATM had no record that the money had not been dispersed. 

I suspect that the local bank intentionally uses a two second window to grab the money to purposely steal money. Wells Fargo was of little help.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED XXXX8 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from FIRST PREMIER WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first submitted my dispute Transunion concerning the reporting on my XXXX XXXX account with Transunion in XX/XX/XXXX. On XX/XX/XXXX I received an email from the creditor stating they updated my account. I then pulled a new credit report on XX/XX/XXXX and noticed more inaccuracies and submitted another dispute on XX/XX/XXXX showing multiple charge offs after the account closing. On XX/XX/XXXX I received a response from XXXX XXXX that their reporting had been updated due to inaccuracies. On XX/XX/XXXX I pulled a copy of my credit report showing that the disputed charge offs had been removed, but that the dated updated had not changed. I then sent a letter to Transunion asking for the method of verification/investigation on XX/XX/XXXX as I do not believe that any investigation had been performed. On XX/XX/XXXX I received a letter from XXXX XXXX that states they have conducted an investigation and have updated my report but have not furnished any information relating to how they conducted their investigation. It has also been more that 30 days since the creditor has received my original dispute but no notice of dispute has been placed on my credit file.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance Owed : {$45.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX  are all reporting inaccurate information on my credit report. I've mailed Dispute letters twice to each credit bureau directly, once on the date of XX/XX/2021 which wasnt responded to in a timely manner according to the FCRA and once on the date of XX/XX/2021 in reference to these issues being disputed and resolved. It's now been over 60 days and they still have not taken action on the inaccurate information that's reporting to my credit profile.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$18000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

statement of pertinent facts Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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.
Product: Money transfer, virtual currency, or money service

Dear Team, I recently fell a bad victim of a really bad crypto scam. I lost $ XXXX in this scam and Im really devastated. I couldnt spot the red flags because the website seemed really legitimate and I thought the person is really helping me with the real profit. It was a XXXX scheme. 
Here is the link to the fake website XXXX XXXX My funds sent to Crypto.com were part of a cryptocurrency scam.I found out I was scammed 5 days ago when I was unable to withdraw my funds. After several days of investigation, I found evidence indicating the platform is a scam, along with other victims who had similar experiences. I tracked the downstream wallet, which was reported multiple times for fraud. I contacted Crypto but they did not do anything to investigate and/or freeze the fraud wallet. I have reached out to Crypto for assistance but they did not claim any responsibility. I did not receive the service or protection that was promised or described by them in fact they have a big loophole that enables scam platforms to launder money and steal funds from customers. They are complicit in fraudulent practices and did not have any safety precautions in place to protect myself and others from similar scams. My funds sent to them from my account should be investigated and refunded from them. I need assistance at this difficult time. My police case number is XXXX Thanks
Product: Credit reporting or other personal consumer reports

I most recently pulled my credit report and noticed an account with your company JEFFERSON CAPITAL reporting an account with the account # XXXX. I am challenging the amount you are attempting to collect as I do not agree, and I strongly feel that your company is in violation of Section 807 ( 2 ) ( A ) of the FDCPA. Your company is reporting unverifiable information to the credit bureaus. Because I have no access to this account to verify this information, I am requesting that you provide ALL historical data of this account. Please include the original contract or promissory note which should include the fees, interest rates, penalties, etc. The amount on my credit report is not the same as the balance I had with the original creditor. The contract you provide me should clearly list your company as a business affiliate or associate of the XXXX, as to any amount due to be paid to your company. I am completely unaware of being obligated to pay your company any amount. There was nothing sent to me informing me that I have anything due to you. Also, I have most recently learned that you must have MY permission to report this unverified debt. Please remove this immediately from reporting to the CRA 's until further investigation is done. Please inform me of the amount of which the debt was purchased and the forward flow agreement. Per the CFPB, I have this right as a consumer. I have received nothing validating this debt, and it has been well over XXXX days. I will be taking Jefferson Capital to court for negligence and gross misconduct if this account is not removed within XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off a dispute letter over a month ago. the credit bureau has not responded nor corrected my problem. They are reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX to investigate and not verify the account information with XXXX and XXXX XXXX which is Fraud/identity theft. I sent in a dispute via postal mail back in XX/XX/2019 with the identify theft affidavit along with a copy of my credit report, drivers license and passport. This information is still on my credit report when it should be removed due to identity theft. I also submitted a dispute online and received an immediate repsonse that they dont have to investigate my issue. I am disputing an account opened with XXXX and XXXX XXXX not the information on/in the account but the account itself. TransUnion is verifying the spelling of my name, ss, etc in their system matches what XXXX and XXXX XXXX has doesn't mean anything, of course it matches, they get the info from XXXX and XXXX XXXX every month. this is all ignoring the courts definition of verify / verification and who can do it and whats admissable.. sure, they arent in court but they can be and Id like to see those verification make it in. Pls remove both accounts immediately.