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

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  and XXXX XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Debt collection

I have disputed this account with the credit bureaus before and the account always came back verified. Around XXXX XXXX, 2016 I sent a letter to NCC Business services requesting validation of the debt. As of today, they have not responded. I sent a dispute in to the credit bureaus on XXXX XXXX, 2016 stating the fact that they have not responded. The results came back as the account was verified. How is it that NCC verified the account with the credit bureaus when they did not comply to my request for validation? This is a clear violation of my rights as a consumer. I also recently found out that NCC has been sending notices to my ex wife requesting payment for the debt. Again, how are they continuing collection activities when they have not responded to my request for validation. I never received notice from NCC within the first 5 days of them acquiring the account and they have not ceased collection efforts which is a violation of FDCPA 1682G. 

They are also reporting this account incorrectly. On my most recent credit report the status says that there is a past due balance of {$520.00} but it also says there 's a balance of {$220.00}. If they ca n't even report the balance correctly and they are n't willing to show me proof of the debt, how I am to believe that they know what is really going on with this account and that I owe them?
Product: Credit card

XXXX XXXX Visa Card I ordered merchandise over the phone from a merchant in Florida. The item never arrived.I tried to contact the merchant and was unable to reach them because their phone was disconnected. Contacted XXXX Visa after the statement arrived for them to investigate the issue after describing the action I took to contact the merchant. The said they would investigate, I deducted the amount of the {$430.00} from my payment to Visa.The next month the amount showed on my statement and contacted them about the investigation. A few days later I received a letter stating they were unable to continue the investigation because 60 days had elapsed. I inquired why they were unable to resolve this matter and I didn't feel responsible for the amount owed because they were unable to resolve this. 
I recently contacted them about this matter since they have reported this to the credit bureaus and it is negatively affecting my credit rating. Was informed by the dispute supervisor XXXX that it was assigned to a collection agency for collection. Asked why they are still reporting this amount on my credit report when they have already deducted it from their books as uncollected debt. He then asked my if I wanted to make a payment and I informed him that would be fraud since they had already deducted it from this books. 
I want them to remove this charge from my report since they have already took a deduction after submitting it to the collection agency
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX TransUnion Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Assistance in Resolving XXXX XXXX  ( Debt Bondage ) Case To Whom It May Concern : I am a victim of XXXX XXXX. The information listed below, which appears on my credit report is the result of XXXX. 

Please block this information from my credit report withing four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

These accounts have resulted in several hard fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the accounts, or collections, as reported on my consumer credit report that is being maintained by your organization. 

Per the Consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I sincerely request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. 

I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion, XXXX, and XXXX. Please delete the following accounts. 

Ive listed each account : 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 Im requesting that TransUnion send me proof of the corrections. I appreciate your urgency in correcting this mater. 

Sincerely, XXXX XXXX XXXX XXXX : Proof of Identity Trafficking Documentation
Product: Debt collection

XXXX fell behind went to court their lawyer asked if we can settle on agreement I looked over the expense some was wrong we then took some item off the list and made agreement for XXXX which I agree to pay. I then got a letter stating I owe XXXX which was not what I agree to a small claims courtthey have threaten to put on my credit report which as of few weeks ago they did.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX in a mail sent to Washington XXXX XXXX of the Attorney General and me, Coinbase Inc. wrote that " On XX/XX/XXXX, XXXX XXXX contacted Coinbase support expressing a desire to close his account. The previous day, XXXX XXXX had initiated XXXX sales of XXXX with the USD proceeds to be sent to his bank account ending in XXXX. Because the transaction and settlement of funds was still in process, Coinbase was unable to close the account at that time. '' On XX/XX/XXXX, I contacted Coinbase Inc. to request a copy of my personal financial record they stored in compliance with Dodd-Frank Act Section 1033. 

On XXXX XXXX XXXX Coinbase Inc. replied me and sent me a record that only includes information of my account 's cryptocurrency transactions. Later that day, I replied Coinbase Inc. that I specifically indicate I need the financial record of the bank transactions so that I can confirm what they claimed on XXXX XXXX XXXX 

On XXXX XXXX XXXX Coinbase Inc., they replied me with the same document they sent me on XXXX XXXX XXXX 

It is clearly that Coinbase Inc. fell under either of the following situations.

( 1 ) Coinbase Inc. stored my personal financial record regarding bank ACH transactions. But they refused to share them with me.

( 2 ) Coinbase Inc. provided false statement to Washington XXXX XXXX of the Attorney General and me on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX CO Date of Inquiry XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/2022 & XXXX BANK XXXX XXXX Inquiry XX/XX/2022
Product: Mortgage

I have been threatened by my mortgage company of foreclosure. I have called them several times but get a different response every time. I fell behind due to problems with my personal checking account. I found erroneous charges on my account which cause my mortgage payments to bounce. Once that was settled I have made my payments from a new account for the past 5 moths. Out of those five moths, 3 months of payments were returned to me with no explanation. When I called to find out what was going on, I was given different answers every time. At this point I do not know if I still own my home & have to move. I have not received anything in writing & I'm terrified that I will be evicted with no advance notice. My main concern are my XXXX dogs which are my " kids '' or babies. I XX/XX/2018, I signed an agreement with the company to make elevated mortgage payments to get caught up. My last three payments were returned with no explanation.
Product: Credit card

I attempted to make a charge to the XXXX XXXX in XXXX using my CC for the amount of {$380.00}. The vendor breaks up this charge in 2 transaction XXXX and XXXX. The first transaction on their site did not go thru because wells decided to decline it due it being in a country like XXXX. They sent me a text message which clearly reads it was declined and asked me if it was me charging. They also told me in the same message to charge again in a minute for it to go thru. However it seems wells allowed this transaction int he first go and told me otherwise. When I called wells, i was told the dup transaction will fall off. Given wells reputation based on the prior shenanigans it had done with its customers, it did not. When I call them they are asking me to file a dispute and wait 3 months to go thru hoops. Same thing happened in a prior instance with a flight vendor where they made me dance for 6 months lying out of their teeth telling me a refund would be made to me from the flight vendor which they walked back on. 

For this report, the dispute number in question I am complaining about at wells is XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquiries which I have not approved or given written permission to furnish in my credit report : XXXX XXXX
Product: Credit card

I purchased a secondary market gift card at a XXXX % discount from XXXX XXXX XXXX. They charged my Amex card through XXXX for the amount - {$25.00}. XXXX then issued a separate charge of {$10.00} for " cash equivalent - transaction fee '' This amounts to XXXX %, no notice and vague definitions do not even get close to this type of transaction. I have been buying gift cards for years from various vendors and have never encountered or been aware of this a fee. I feel scammed and the fact that there is no notice and the high percentage should not be allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$330.00} with XXXX credit reporting agencies, I requested verification of debt and account however the business failed to provide adequate proof. 
considering the business does not have a contract with me for goods or services they have provided, nor have they provided adequate proof I am not obligated to pay for the alleged debt. account # XXXX I made a request for the recording of the call you stated I made, and I want to see a signed contract. I can get online right now and make this same letter that you submitted in this claim. If you are unable to show me proof that this is me, I ask that you remove it. This is not my account. This account complaint is over 496 days old, and you have yet to show me any proof. Please submit to me either the recording of the call you claim that I made regarding payment or a signed contract. If you are unable to produce these, with the request already being over 496 days old, I again, request this be removed from my credit as there is no validity to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER LAW 15 U.S. Code 1681a ( 1 ) ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. EXPERIAN IS REPORTING CHARGE OFFS FROM XXXX XXXX, XXXX XXXX XXXX XXXX AND LATE PAYMENT FROM DEPT OF ED. READING THE LAW THERE ARE NO SECTIONS THAT SAY THE REPORTING AGENCIES HAVE AN AUTHORITY TO POST A FICO SCORE, LATE PAYMENT OR CHARGE OFF ACCOUNT ON A CONSUMERS FILE. TRANSACTIONS OF ANY LATE PAYMENT THAT RESULT IN A CHARGE OFF ARE ILLEGAL. THE LAW STATES THIS AND EXPERIAN IS IN DIRECT VIOLATION OF THE LAW.
Product: Debt collection

I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a PLAZA SERVICES There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Product: Checking or savings account

On XX/XX/XXXX I received an alert from my Online bank account of Bank of America about my account reconfiguration, then i get to my Bank of America online bank account and saw that there were a withdraw for {$5000.00} in pending status in my Bank account and called immediately to my bank, they said me a person identified as XXXX XXXX was withdrawing {$5000.00} in a bank location and I asked them to stop that transaction immediately because it was a fraud and that I did not recognize that transaction. While I was talking on the phone with the bank, I tried to log into my online account again and I couldn't do it because the person who was committing the fraud changed my password. After spending more than an hour on the call with the bank, they tell me that the money was withdrawn, I make a complaint and explained them i have not given authorization to anyone to make a withdrawal in my name and that I do not recognize that transaction, that I have never lost my documentation, ID nor credit cards and that it is not possible for another person to have them in their possession. They told me the did not know how the money had been withdrawn, if through a check or a withdrawal and I told them that it is not possible that they have done through a check because I have never had BOA checks and not through me debit card since I had it in my position. This withdrawn was done at XXXX XXXX XXXX, XXXX TX XXXX, Branch XXXX XXXX of Bank of America. I submitted my claim the same day the fraud occurred ( XXXX XXXX ) 22 days have passed and I have not received any response from the bank and so far the bank has not returned my money, nor has they sent me any communication regarding my claim, so I think they have not processed my claim. 
I notified the police of the fraud that occurred and they have asked me for a statement from the bank regarding my claim and the bank has not sent it to me, so I have not been able to continue with my process before the police
Product: Mortgage

ResponseChase received your inquiry via the CFPB on XXXX XXXX, 2015. Because of the status of the loan we did not attempt contact you. Once we have fully researched all issues, we will send a written response to you detailing our resolution This is the response on your website from Chase Bank to me. They have had no problems calling in past and having their attorneys call. They once again are trying to avoid correcting their horrendous errors on my account. They have failed to resolve past complaint allowing time to pass so it shows resolved with you now doing same thing again. They have written excuses and resolutions indicating contacted me no response - noted telephone number different than on my complaint. Mailed info to the house they foreclosed on! stating no info on new address even though I have correspondence records indicating that is a lie. Noted mail returned from XXXX. verified with XXXX and my employer that is a lie - I am a XXXX employee and address changed since removed from house they have sent mail here numerous times!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting the following account from XXXX XXXX XXXX inaccurately. XXXX XXXX XXXX cancelled this debt in XXXX and filed a form 1099-C with the IRS for the entire balance, As a result my taxes due increased by over {$2000.00} which I had to pay. Further the last payment on this account was in XXXX, XXXX which means next month ( this XX/XX/XXXX ) the account is more than XXXX XXXX XXXX and must be deleted from my credit report anyway. 
In the meantime, I am asking for this account to report correctly and after XX/XX/XXXX removed from my credit report. I am also requesting if XXXX XXXX disputes my claim for them to forward to me the entire payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding inaccurate unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed.
Product: Debt collection

On XX/XX/2023, I received a collection letter from Cloud Willis & Ellis , LLC claiming I owe {$330.00} to a XXXX XXXX accnt # XXXX. Although I only received it today, the letter provides only XXXXour ( 4 ) days for me to dispute the debt. The letter is not postmarked however, I have provided proof of receipt through USPS Mail. I signed up on an electronic USPS dashboard which documents mail I am to receive. I am responding to the company at the same time electronically however, the lack of dispute time is concerning as I believe they are supposed to provide thirty ( 30 days ). A lack of postmark on the exterior of the letter suggests a lack of accountability since it makes it hard for a mail recipient to prove when it was mailed.
Product: Prepaid card

From XXXX, my XXXX XXXX XXXXXXXX benefits have been received on a direct express card, I have always went to XXXXXXXX XXXX and incurred a XXXX withdrawal fee per transaction, XXXX transactions to take my whole check off of card to not waste any more of my money if fees. XXXX allows you to withdraw XXXX at a time and XXXX XXXX only XXXX at a time for comparable fee. My son became XXXX in XXXX and as his payee, his benefits are on my card as well, more XXXX fees. XXXX to remove our benefits from this card every month when they are supposed to be free. I have contacted Direct Express... only a waste of time ... no resolution..
Product: Credit card

Dear cfpb, I am writing to file a complaint regarding the fraudulent dispute of funds by Apple Credit Card, charging both the merchant and the customer. 

After receiving an XXXX product that I found to be not worth the price paid, I attempted to return it to the merchant. However, the merchant refused to provide a return address and label, insisting on unreasonable grounds. Consequently, I had no choice but to file a dispute with Apple Credit Card regarding this transaction. 

Disputed Transaction Dispute case number : XXXX Transaction date : XXXX XXXX XXXX  Merchant name : XXXX Disputed amount : {$50.00} Amount to be rebilled : {$50.00} Despite clear evidence, Apple Card Goldman Sachs confirmed the dispute as successful and sent me an email confirming the Dispute Status : Completed ( Disputed charges will be removed ). The temporary credit received, including any interest charges, was supposed to be permanent. However, if XXXX also issued a credit for this disputed transaction, the permanent credit might be reversed. 

As I never received the credited amount, I already filed a complaint with cfpb against Apple Card Goldman Sachs for failing to transfer the disputed amount to me. 

Shockingly, after my complaint, Apple Card Goldman Sachs maliciously deemed the dispute unsuccessful, thereby fraudulently retaining the funds. Today, I received an email stating Dispute Status : Completed ( Disputed charge ( XXXX ) will remain ). The temporary credit of XXXX This corrupt and dictatorial behavior by the bank is unacceptable. 

I urge the authorities to oversee this matter promptly. 
XXXX
Product: Credit reporting

Credit bureau is in direct violation of FDCPA and FCRA and have validated/verified the accounts on my credit report.