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

I checked a copy of my credit report and noticed two collection accounts that I am not aware of. 
XXXXXXXX XXXX XXXX, date opened XXXX XXXX  And also XXXX XXXX XXXX date opened XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to GM FINANCIAL regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # starting in Ref : XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # starting in Ref : Ref : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

All of my information was compromised and used without my permission loan in my name and sent to a card I no longer possess used without my consent resulting in debt.
Product: Debt collection

RECEIVED NOTICE OF COLLECTION PLACEMENT IN MAIL : STATEMENT DATE XX/XX/XXXX FROM EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ). 

" XXXX XXXX HAS PLACE YOUR ACCOUNT WITH US FOR COLLECTION FOR THE TOTAL AMOUNT SHOWN ABOVE ( {$280.00} ). WE URGE YOU TO REMIT PAYMENT TO OUR OFFICE, UNTLESS YOU DISPUTE THIS DEBT. '' I do not and have not had an account with XXXX. I tried to reconcile this with the following EOS CCA phone numbers : Payment account inquiries : XXXX and XXXX XXXX Department : XXXX-XXXX-XXXX. 

My conversations with the reps at EOS CCA were incomprehensible. The reps insisted I give the last XXXX digits of my SS #. I refused. I asked to speak with a manager, and I was given a number to report consumer fraud : XXXX at Ext. XXXX. 

I telephoned that number and asked for ext. XXXX. I was told that extension did not exist. 

I called XXXX, the customer service rep advised I contact XXXX XXXX XXXXXXXX. 

COINCIDENTALLY : I had been getting phone calls from various phone numbers originating from the Arizona area code ( XXXX ) for several weeks, during early morning hours. Messages were not left. Whenever I'd try to call one of those numbers, I'd get a " Your call can not be completed ... '' message. A few days ago, I woke up early and intercepted a call from that area code. The connection was poor. The voice on the other end had an accent from the country of XXXX. He explained I was entitled to a refund for a purchase I never made. He requested SS # and other ID information. When I told him that I would not comply, he hung up. ... I reported this to the XXXX. I was informed that this is a common ploy used to commit identity theft. ... I wonder if there is a connection between these calls and the EOS CCA collection scheme. 

My as well as my wife 's identities have been XXXX several times over the past XXXX years. So naturally, I'm suspicious anytime I get an unexpected call or letter requesting personal information.
Product: Credit card

In XXXX of XXXX, I made a payment to Discover credit card services for the amount of {$33.00}, unfortunately, Discover credit card is stating that this payment did not go through to my bank. This is not true, the payment posted on my end I've even shown them bank statements showing that the payment posted, even their own system shows that the payment posted, the recording to their discovery credit card services recording states that the payment posted, unfortunately, none of this seems to help as they simply refuse to accept the fact that this payment went through and was withdrawn from my bank account and I have shown them several documents to prove that it in fact went through. Despite all of this evidence to support my claim, they went ahead and closed the accounts as non-payments, kept my security deposit of {$200.00}, and destroyed my credit rating because this shows a delinquent account that was closed for non-payments violating their agreement between their company and the consumer. They have asked me to submit proof of this payment and I have done so several times already as you can see by the documents that I have uploaded but they simply state that they never received these documents even though I have proof that they did and we're even discussed they continue to lie about this account on several bases and on several fronts simply refusing to accept the fact that they are wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I noticed yet another item currently reporting on my Experian credit report due to fraudulent activity. What that means is that this account, along with the many others that I have previously filed disputes against via this venue ( CFPB ), Experian, XXXX and XXXX are due to someone stealing my identity in some capacity and in turn using it without my knowledge. 

The following item needs to be disputed as a fraudulent account in it 's entirety. 

( COLLECTION ACCOUNT ) 1 - XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX This account is also associated with an address of the following that too needs to be removed upon results of investigation : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Thanks, XXXX XXXX XXXX ) XXXX
Product: Credit card

I was trying to pay my bill on the due date but the Amex app wouldnt let me sign in at all. It didnt work for me untill the next day to where I was able to pay my bill. They still charged me XXXX late fee plus XXXX dollars in interest this is absolutely absurd. They claimed they cant waive the fee.
Product: Debt collection

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Credit Reporting Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA.
Product: Debt collection

On XX/XX/22 I sent a request for debt validation pursuant to 15 USC 1692g and Rent Recovery responded back in the mail with a copy of an alleged lease. On XX/XX/22 I requested the method of verification pursuant to 15 USC1681 and Rent Recovery on XX/XX/22 responded back with the same alleged copy of a lease there was nothing else in either letters but that. This is a direct violation of 15 USC 1681a ( e ) as they did not do a proper investigation pursuant to 15 USC 1681a ( e ) with the specific instructions given by congress. Per congress, the instructions are made clear and Rent Recovery continues to violate federal laws by not properly responding and abiding by the structure given. I have attached my debt validation form and my debt verification form for review in proving that under FEDERAL law I am properly requesting this information to be properly answered and given to me in the timely manner in which I have asked. A lease is NOT a proper way to validate nor verify that this alleged debt they continue to furnish is mine!!
Product: Student loan

Navient has repeatedly failed to communicate with me and claims to have sent emails that were never received, either to my online account on their website, or to my personal email address. The also failed to specify the terms of a hold placed on my account, resulting in " past-due '' payments that should not be considered so. I have been told that, despite their mistakes, they can not remove the past-due statuses on my account. 

This follows several phone calls in which I was given incorrect information about the documentation that needed to be provided, which pushed setting up my payment plan very far back when this process should have been completed in XX/XX/XXXX. This is looking like very predatory business practices in order to report fabricated delinquent payments to result in fees to Navient as well as negatively impacting my credit.
Product: Money transfer, virtual currency, or money service

**Complaint to CFPB** On XX/XX/XXXX, I initiated a {$1.00} XXXX wire transfer through Citibank 's branch ( Exhibit A ). Due to the large amount, I visited the branch in person and provided all necessary details, including the Purpose Code, to the manager, XXXX. I specifically asked XXXX to replicate the details from my recent wire transfer on XX/XX/XXXX, from the same account to the same account in XXXX ( Exhibit B ). XXXX confirmed that he would do so. 

Despite this, I was later informed by Citibank 's wire department that the transfer was returned due to a missing Purpose Code. In that return, I only received {$970000.00}, instead of the XXXX XXXX dollars sent. It is important to note that my previous wire transfer on XX/XX/XXXX, to the same account, which included the Purpose Code, was completed without any issues. When I was at the bank in XXXX, XXXX assured me he would copy the previous wire details. 

After initiating the XXXX transfer, I traveled to XXXX to finalize a XXXX power plant project, only to discover that the funds had not arrived. XXXX Bank confirmed they did not receive the funds ( Exhibit C ). I contacted Citibank 's wire department daily and was repeatedly told the funds were being returned due to the missing Purpose Code. Citibank 's system should automatically request a Purpose Code for transfers to XXXX. Additionally, the special wire office is responsible for reviewing, authorizing, and clearing wires, ensuring all necessary codes and XXXX requirements are met. If there was a missing Purpose Code, XXXX Bank in XXXX would not have returned the money but would have requested the missing information through the XXXXXXXX XXXX XXXX, as they did with the subsequent wire on XX/XX/XXXX ( Exhibit D ). 

Given these facts, it is clear that Citibank mishandled this transaction. XXXX Bank never received any funds and therefore never returned any money from the XX/XX/XXXX transaction. The error was internal to Citibank, and Citibank 's internal errors have caused me serious financial harm. 

As a result, I have incurred significant financial losses and additional expenses, including : - Approximately {$25000.00} lost in currency conversion and return fees. 
- Around {$5000.00} in travel and related expenses to resend the funds. 
- Substantial financial losses related to the business deal with the Government of XXXX, XXXX. If this matter ends up in court, I will pursue these losses, which are currently fluid as the situation is ongoing. They are certainly in the millions. 

I expect Citibank to take responsibility for this error and reimburse me {$30000.00}, immediately. I am willing to provide any further information or clarification needed within the next XXXX days to resolve this matter amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of the following item ( s ) on my credit report, which I obtained on XX/XX/XXXX. 

[ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
I believe that the above information is inaccurate and/or incomplete. These accounts have been paid off. And should not be on my report.

Under the Fair Credit Reporting Act, I am requesting that you investigate the disputed item ( s ) and remove or correct any inaccurate information. Please provide me with a written copy of the results of your investigation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally writing this complaint because my credit report is being damaged by the company XXXX XXXX XXXX. I have disputed with XXXX XXXXXXXX XXXX regarding inaccurate information that they have furnished with the consumer reporting agencies for the past 2 months to no avail. They did not correct the inaccuracies I provided them in my letters along with copies of supporting documents and they were given multiple chances to do so. As a result of their consistent failure, I requested to XXXX XXXX  for the account to be removed for both XXXX and TRANSUNION and told them that they would be liable for reporting misinformation, but they ignored my request to do so and still will not let up regarding the fact that they were wrong and had failed to correct and update the info that they had furnished with the CRAs. I provided documentation showing that there are bonified inaccuracies and that the account information in my consumer disclosure reports did not match up. Specifically, regarding the late payment dates showing in the payment history. " XXXX, XXXX ''. I have attached 2 consumer disclosure reports and a credit report from a 3rd party company which are all showing inaccurate info reported from XXXX XXXX XXXX. The Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( b ) states ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX XXXXXXXX XXXX has not been complying by this law. It is not fair, and it is abusive and damaging to my reputation and credit worthiness. Furnishers must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e ). XXXX XXXX XXXX is still reporting inaccurate information to the consumer reporting agencies. I am filing in request for remedy regarding this matter. Please see the evidence provided once more.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Hello, I received an AMEX business gift card with XXXX dollars in it, which still has this balance in it when I checked the Americanexpress website. However, I have not been able to use this card at numerous stores online for one-time purchases which are under the balance I have in this card. On top of this, I tried to put the card onto XXXX XXXX to somehow try to resolve the issue but that did not work either, showing me an error message. 

Is there any way to use this gift card or get this money differently?
Product: Credit reporting

Both XXXX and XXXX have several inaccuracies in their reports -- they are either still showing accounts that have been fully paid off or accounts that have considerably lower balances that what is reflected in their reports. The accounts that I am disputing are : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$6200.00}, {$10000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response o utlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I'm using Coinbase.com to store a significant amount of cryptocurrency. They have a service called the " XXXX '' that adds additional layers of security, so I store most of my funds in the XXXX. Unfortunately, there is a bug within Coinbase that caused my funds to be frozen about 75 days ago. Other people have reported the same bug on various online forums. 

In essence, I deleted an old Coinbase account, but the email address associated with that old account was also being used as the secondary email address for my active Coinbase account. Because of some kind of defect in the Coinbase system, when I deleted my old account, my secondary email address for my active account was also deleted within their system. In order to withdraw funds from my XXXX, I need to receive a confirmation email at both my primary and secondary email addresses. Because Coinbase erroneously deleted my secondary email address, that is now impossible, and my funds are frozen. 

I first emailed them about 75 days ago regarding this issue and have since called them twice, talked to representatives, and emailed them numerous times. Unfortunately, they have not resolved the issue or even given me an adequate response detailing when they will help me regain access to my funds. Because of this I have lost a significant amount of money ( I would have sold some of this cryptocurrency during this period ). Coinbase is notoriously bad when it comes to customer service so sadly I'm not too surprised I've had this experience. I just want to get it resolved as soon as possible and get access to the funds I entrusted to them. My case numbers with Coinbase are # XXXX and # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account was opened in 2010 and it has been ( 7 ) years from the date of last activity. This inaccurate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. This trade line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 6 accounts on my credit that do not belong to me I have disputed these items with the bureaus and I have not gotten any response back I want this taken care of since it is not my fault but is affecting me 100 % Account Name : A - XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XXXX  XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : A - XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

Transunion is reporting an alleged collection that is not correct. I have disputed this collection account with Transunion and they stated that it was verified as accurate. I would like to know how this information was validated as accurate when I am in litigation with the creditor that XXXX XXXX XXXX is allegedly collecting for and since this is an ongoing issue reporting this information without a court ruling is a violation of my federally protected consumer rights. I would like the documents used to verify this information so I may forward it to the courts to prove I have insisted that collection and creditor is incorrect.
Product: Credit reporting or other personal consumer reports

XXXX already deleted this account due to consumer right discrimination ; proof will be attached please follow the Law and delete asap
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$9200.00}
Product: Money transfer, virtual currency, or money service

So some unauthorized transaction been going my XXXX XXXX account an XXXX  XXXX I never approve of any of the transaction they transfer information to different emails an phones I never approved by using spoof and thats how they ended up transferring money. They also applied for a ppe loans and open banks an phone accounts under my ssn # I block my ssn # so it can stop hopefully it helps out