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

Todays Date:XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX   XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit  repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

XXXX : I mailed my car note at the XXXX XXXX XXXX XXXX and found out a month later that my check never arrived. 
XXXX : I called the bank 's automated number and found out that check number XXXX had cleared for {$1500.00}. After talking to a customer service rep who transferred me to a fraud unit and being put on hold so long that my phone battery died, I drove to my branch office along with my dad. We met with a Personal Banker, who gave me a copy of my check which showed that the check had been changed to someone else 's name and for XXXX. We were all very surprised to see that the check did not show my signature and was not dated and the Personal Banker said that the check should never have been cashed. He called the fraud unit and they assigned it to case number : XXXX and said I should hear something within 15 days. 
XXXX : I had not heard anything so we went back to the bank and the same Personal Banker again called the fraud unit who said that were now in day 16 and they would escalate the service for 72 hours. 
XXXX : Still had not heard anything and we went back to the bank and the same Personal Banker was very frustrated that the money still had not been put back on my account. He once again called the fraud unit who agreed to what the Personal Banker had said was obvious that the check had been washed and should have never been cashed since it was not signed and dated. We were again told that they would escalate the investigation to 72 hours. The Personal Banker said that since he was already vested in this, he would call the fraud unit back in 72 hours on Monday XXXX, and keep me updated. 
XXXX : I went to the XXXX XXXX XXXX XXXX and told them what had happened and they said that during the first week of XXXX some mail had been fished from the outside box and they have had several complaints. I gave them a copy of my check which they had requested so they could pass it on to the postal inspector. 
XXXX : I still had not heard anything from the bank, including the Personal Banker who promised to keep me updated, and my {$1500.00} still had not been put on my account so I submitted a complaint to the Federal Reserve. 
XXXX : I received an email from the Federal Reserve explaining that they had forwarded my complaint to the CFPB for appropriate attention. 
XXXX : A month has now gone by and since I still have not heard anything from the bank or from CFPB, I called the CFPB to check on the status of my complaint but was told that there was no record of my complaint and no indication that it had been forwarded to them by the Federal Reserve. The CFPB rep was very nice helpful and suggested that I send a fresh complaint to CFPB.
Product: Money transfer, virtual currency, or money service

I started my Coinbase Wallet on XX/XX/XXXX from a transfer from my investment account XXXX ( see photos ) transferring first actual deposit of {$100.00}. The second deposit was {$300000.00}. I worked with XXXX the tech support person at XXXX. He walked me through it step-by-step. He also told me to deposit the high amount almost emptying my investments. 

I confirmed the deposit was made. I waited for the funds to be verified/confirmed by Coinbase Wallet . ( See photo ) I wanted to withdraw and convert XXXX to XXXX to my bank. XXXX suggested contacting someone he knew at Coinbase who would be able to help. Hr sent the following email from Coinbase Support XXXX was sent to me saying : In a case were you dont want to convert your entire assets youll also need to pay this 5 % fee so that in future you would not need to pay another gas transaction fee in other to carry out a transaction on your coinbase wallet On Fri, XXXX XX/XX/XXXX at XXXX, E Mail XXXX wrote : What is I dont want to convert all of it. 

On Fri, XX/XX/XXXX at XXXX Coinbase Support XXXX wrote : In your case youve received a one time deposit of {$300000.00} which coinbase would take a 5 % fee for you to be able to convert from XXXX  to usd and then to your bank immediately from your coinbase wallet, also note that this said 5 % XXXX  XXXX would be using to withdraw would also be withdrawn back by you because all deposits goes straight into your coinbase wallet address then to your bank. 

He then sent me a wallet hash address in an email to send {$15000.00}. He said that the requirement was required to be deposited in XXXX before I could have access to my funds. But I looked around in the buy features and did not see that hash address. 

Meanwhile, XXXX back at XXXX, was pushing me to move forward with this and I could make smaller payments. 

The email address was not from the Coinbase domain but it looked legit. ( See photo ). 

I have never heard of upfront fees in XXXX. Especially 5 % of {$15000.00}. I XXXX for XXXX hrs and never found anything in Coinbase disclosures o. That kind of fee. My {$300000.00} is bound up and can not be used for anything. This was very suspicious to me. 

As XXXX, a representative support person of XXXX, he should have known the restrictions or upfront fees from Coinbase Wallet. I kept saying I did not want to withdraw such a large amount. Because for me to do just what he said. I told him I wanted to make small withdrawals to supplement my pension income. He said I could do the same thing from Coinbase Wallet. BUT, Never mentioned the upfront new user fee of 5 %. I would have stopped at that point. I never encountered this on any other crypto site. 

Your help is needed to unravel this mystery and get my money return to me.
Product: Debt collection

I entered a consumer credit transaction with WORLD FINANCE CORPORATION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that WORLD FINANCE CORPORATION claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. WORLD FINANCE CORPORATION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX on numerous accounts. I first called on XX/XX/2023 to see if I could find more information regarding a fraudulent credit inquiry. 

Was repeatedly told there was nothing out of the ordinary with my accounts and that there was nothing suspicious noted. My account is actually fine. I explained that there was a hard credit pull initiated on XX/XX/2023 from a unknown phone number which appeared in my credit reports and that I would like to remove that from my credit history. 

I was told to contact the credit reporting bureaus ( which I did ) and discussed the matter with a representative from TransUnion, XXXX, and XXXX. They explained the bank should resolve the matter but if not I needed a letter from XXXX XXXX authorizing the deletion of said credit inquiry. XXXX has yet to comply and sent me a letter explaining how my current account is in good standing ( which isn't what I asked for ). The bureaus then explained that I need to send both a letter from XXXX XXXX and a separate authorization letter to remove the latest credit inquiry. Currently in the process of mailing letters of proof to get my initial letter to then pass on to the bureaus. A lot of he said, she said and sending the consumer ( me ) in roundabout circles when no one will provide action or support and just have me keep sending letters and letters of evidence when its clear on their end because if I can access this information, all parties are privy to it as well.
Product: Mortgage

With my the bank SunTrust I have a commercial loan that I called to try to set a bi weekly payment instead of monthly They sent me to five different departments through the phone Final I was sent to a woman named XXXX from Suntrust CDA Recovery number XXXX And she pretty much started asking me questions after questions would keep me on hold on amd off for twenty minutes By the end she didnt find my information Short of the story I asked for a supervisor Kept me holding for several minutes again Nothing was accomplished I be paid my loans in time All I wanted to do was to set up a bi weekly payment and they put me on a hamster wheel In all truth it was a disaster I am filing a complaint with her ( she didnt gage me her last name ) And filing a complaint with Sunteust that hire incompetent people to help their costumers Short of the story I havent been able to change anything or even having someone explain to me the terms of my commercial loans This cant happen was a disaster Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CT XXXX XXXX XXXX XXXX, 2021 {$30000.00} XXXX, XXXX Reported : XXXX XXXX, 2021 {$160.00} XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, 2021 {$210.00} Needs Attention
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting of XXXX XXXX XXXX XXXX XXXX I am filing this complaint regarding the inaccurate and inconsistent reporting of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report by credit bureaus. The discrepancies and lack of proper validation of the account 's charge-off status and related comments violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Inconsistent Reporting : The account is reported as a " XXXX '' with derogatory status, but the reporting dates and comments differ significantly across credit bureaus. 

Failure to Verify Disputed Information : The account is marked as disputed by the consumer, but there is no sufficient evidence or documentation provided to validate the debts accuracy.

Potential FCRA Violation : The Fair Credit Reporting Act mandates that credit bureaus report only accurate and verifiable information. The inconsistencies and lack of proper validation of this account fail to meet these standards.
Product: Credit reporting or other personal consumer reports

My privacy rights are safeguarded by laws established by Congress to protect consumers. Allowing unauthorized access to my financial data not only violates federal laws but also infringes on my constitutional rights, resulting in significant harm and distress.
Product: Credit card

On XX/XX/XXXX WellsFargo acknowledged a dispute in writing for a service that was paid for, but not provided. On XX/XX/XXXX, Wells Fargo sent me a letter saying that they were submitting the dispute for arbitration with Visa. On XX/XX/XXXX, they re-charged my account {$450.00}. On XX/XX/XXXX, they postmarked a letter denying my dispute, saying that services were rendered. 

I asked for all documentation used to make this determination. WellsFargo sent 2 pages, one that was an itemized estimate that clearly states " approximate '' on it, and a receipt from my pre-payment for services. 

I asked WellsFargo how documents from before the service was expected to be rendered proved that service was actually rendered, and they were unable to provide a response; saying that they would investigate. 

I sent a formal appeal letting WellsFargo know that there no proof that services were rendered, that the merchant 's estimate clearly shows a refund is due, and that WellsFargo has long exceeded the two billing cycles that it is allowed to complete it's investigation, prior to re-charging me. 

My first billing cycle after acknowledgement of the dispute began XX/XX/XXXX, a second began on XX/XX/XXXX, and a 3rd began on XX/XX/XXXX. On XX/XX/XXXX, when the charge was re-authorized, it was already on the 4th billing cycle after the dispute was initiated. 

WellsFargo has been unresponsive and keeps telling me that they are continuing their investigation, while this charge remains on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act credit XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing due to non-compliance with XXXX, Experian, XXXX. They have failed to remove information that was affiliated with personal details that were challenged recently. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed items.
Product: Credit reporting

XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXGentlemen : I am forwarding a copy of the correspondence I previously sent on XXXX XXXX, XXXX to each credit reporting agency regarding errors on my credit report. I am requesting again that you please correct each error. 

I am also forwarding copies of information faxed on XXXX XXXX, XXXX, to Equifax and XXXX XXXX XXXX XXXX, Branch Manager of XXXX on XXXX XXXX in XXXX. This fax was to provide proof of the fact the Chapter XXXX Case was no longer active in connection with an application I had submitted to XXXX XXXX XXXX for a home equity loan. XXXX XXXX subsequently informed me with FICA scores of XXXX, XXXX and XXXX, I would need to provide proof from the Courts that I had filed Bankruptcy in XXXX XXXX to prevent fraudulent foreclosure on my home. 

The Bankruptcy Case was dismissed in XXXX XXXX. The Court action filed to foreclose on my home was dismissed with prejudice from XXXX XXXX XXXX on XXXX XXXX, XXXX ( CASE NO. XXXX ). My application for a home equity loan was denied until I could produce the evidence although I did not receive this decision in writing. My real estate has been paid in Full since XXXX. 

The foreclosure attempt was XXXX of the XXXX mortgage foreclosure attempts by this building contractor and his attorney reported to each agency over the past 17 years and I have strongly objected to and fought each XXXX. There has not been XXXX successful FORECLOSURE AND REPOSSESSION AS EACH CREDIT BUREAU IS REPORTING. EACH CLAIM HAS BEEN BASED ON NOTHING MORE THAN GREED AND VICIOUS INTENTIONS. 

Based on information and belief, XXXX XXXX is XXXX of owners of XXXX XXXX XXXX, Construction Contractors in XXXX, NC ; and, XXXX XXXX ( XXXX XXXX, XXXX XXXX ) XXXX XXXX is affiliated with XXXX XXXX XXXX XXXX, created by Attorney XXXX XXXX XXXX, XXXX. It has become perfectly clear to me that XXXX XXXX was very much a part of the mortgage fraud scheme perpetrated against me by Attorneys XXXX XXXX, XXXX XXXX, XXXX XXXX, and others by allowing XXXX XXXX and XXXX XXXX to invest our mortgage loan funds in other investments, and stockpile the debt at XXXX XXXX XXXX as construction loans to XXXX. It is a fact the mortgage foreclosure and repossession currently recorded on my credit file is the direct contribution from XXXX XXXX and others. 

I am approaching retirement at this point of my life and have paid in full large consumer accounts. Is that a reason to have your credit score reach bottom level? Please review this and make all necessary adjustments or corrections. 

Thank you for your attention to these matters which are critically important to me. 

Yours truly, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( Comprehensive and Summary Fraud Reports )
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO XXXX, XXXX AND TRANSUNION FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, XXXX, XXXX  AND TRANSUNION ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. 

FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR XXXX XXXX XXXX XXXX THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT XXXX, TRANSUNION, AND XXXX  CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT.

ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER T

HAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY. ******************* ALSO I WAS UNABLE TO DISPUTE THE HARD INQUIRIES THAT WAS PLACED ON MY CREDIT REPORT ON XX/XX/XXXX IN ERROR. THESE HARD INQUIRIES WERE DONE IN ERROR AND INITIATED BY XXXX XXXX. I WAS UNABLE TO DISPUTE THIS ON XXXX, TRANSUNION AND XXXX  WEBSITE. THE FOLLOWING ARE OUTSTANDING ISSUES : -THE INABILITY TO DISPUTE ONLINE ON THESE SITES FOR ALL CREDIT BUREAUS -DISPUTE THE HARD INQUIRIES -DISPUTE THE COLLECTION ACCOUNT PLACED BY XXXX XXXX XXXX XXXX DUE TO THE COLLECTION ACCOUNT REMAINING ON MY CREDIT REPORT PAST SEVEN YEARS, THE LIMIT FOR THESE ACCOUNTS.

I HAVE ATTACHED EXCERPTS FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called  XXXX  about an inquiry on   XXXX   and was told to send a copy of my credit report to the proper department as it was confirmed I did not apply for any products on the inquiry date. I have not heard back and the inquiry has not been deleted from my report.
Product: Credit card or prepaid card

I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of anxiety, and I kindly request that you address it promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Has refused to re investgation of these accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX I have provide letter document they have sent me. 
Equifax is violating 15 U.S. Code 1681e - Compliance procedures. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.You have the right to bring a lawsuit. If the credit reporting company violates the FCRA, they can be held liable for actual damages and attorney fees. In the case of a willful failure to comply with FCRA requirements, the company can be liable for actual or statutory damages and punitive damages. There are time limits on when you would have to bring a lawsuit, so make sure you are aware of any deadlines.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter. 

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX INQURIES BEING CHALLENGE : XXXX | XX/XX/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/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney. 

Please acknowledge this letter and provide a timeline for resolution.