23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I initially sent a dispute as the info on my TransUnion Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureau. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or 3rd party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XX/XX/2016 not XX/XX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XX/XX/2016.. This items should be removed. 

Thanks in advance for your help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to request that the Consumer Financial Protection Bureau XXXX CFPB ) delete the fraudulent hard inquiries from my TransUnion credit report. As a victim of identity theft, I have been wrongfully targeted by several banks and financial institutions, resulting in multiple unauthorized credit inquiries on my credit report. 

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 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  XX/XX/XXXX These inquiries have caused undue stress and anxiety, as I have never had any dealings with these institutions and have no knowledge of the nature or purpose of these inquiries. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or fraudulent information on their credit reports. In this case, I am disputing the hard inquiries made by these financial institutions, which were not authorized by me, and were the result of identity theft. 

I have taken the necessary steps to protect my personal information and have reported the identity theft to the appropriate authorities. I have also contacted the credit reporting agencies and placed a fraud alert on my credit report. However, despite these efforts, these unauthorized inquiries have remained on my credit report and have affected my credit score. 

I urge the CFPB to investigate this matter and take the necessary steps to remove these fraudulent inquiries from my credit report. I am confident that the evidence will show that these inquiries were made without my knowledge or consent and that I have been a victim of identity theft. 

Thank you for your attention to this matter. 

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

This will be my THIRD WRITTEN REQUEST and FINAL WARNING, that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. 

You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. '' | request that you do this immediately. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these item have been deleted. 



XXXX XXXX XXXX Provide me Physical Proof of your Verification All the names of people you have contacted All addresses that are related to them and phone numbers that way I can do my own follow up What methods did you use to verify the accuracy of these accounts
Product: Debt collection

Over the last three months Ive been receiving harassing phone calls from this collection company about an account which I have never had. The company proceeds to tell me that there was an account leased through XXXX and they could not even tell me what type of merchandise it was. Im own a very large corporation  here in XXXX XXXX South Carolina and I have never leased any merchandise from XXXX much less even shopped from XXXX my entire life. I am actually an A+ member of the XXXX XXXX XXXX  with our XXXX XXXX company match XXXX  managers. I asked the company to please send me proof of this purchase along with a picture of my ID and a signature and they were not able to do so. They mailed me an amortization table of some payments which I have never seen nor never signed up for and my entire life. They also had me in an address in which Ive never lived that in my entire life.I have a very high credit score and I own over 15 personal properties here in XXXX XXXX and I would never ever go into a XXXX and lease any type of items. My concern is that the company can not provide me with identification nor a signature which says I purchased at least anything from any company Which makes me believe some identity theft is in play here.. I want this item removed off all my credit reports, this item is not mine it is never been mine and they can not provide any proof whatsoever that Ive ever obtained an account by this company. This is my first step in beginning a litigation process with them. I can see they have many many complaints against them and harassing phone calls and emails which Ive had the same thing. Ive told them that this account is not mine and to please prove to me that it is and they are unable to do so but yet they report to my credit bureaus. I will be contacting the federal trade commission along with contacting my attorney XXXX XXXX esq. if they do not remove this off of my report. I will go after them for any type of harassment and also defamation of Character.I Purchased many properties but yet this item pulls up on all three of my reports it is the only negative item Ive ever had to get me ever. The fact that its not my account is very devastating to me and very Concerning. Theres no proof, theres no signature theres nothing this company can provide me to prove this account is mine. This company should not be allowed to do this I have no idea how they got my information and yet they look can not even give me my Social Security number when I ask him for it please check into this and have them remove this in anyway they can because Im trying to buy the {$750000.00} commercial building And this false account is reporting to my credit report. This is unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to the company on XX/XX/2022 as well as to XXXX in XXXX and XXXX to correct this account. There has been no response from the bureau or the company in reference to this account.
Product: Debt collection

I contacted Credit Management LP on XX/XX/2018 to pay a debt that had shown up on my credit report in the amount of {$580.00}. While on the call the collections agent said that the debt could be settled for a payment of {$380.00} which I agreed to and paid immediately. When speaking with the agent before paying I confirmed that if I paid the debt I would receive an immediate letter or email stating the debt had been paid. The agent said I would receive a letter stating the collection had been paid within 24-48 hours. One week later I called again and a different agent told me that the account was on hold and it would take 72 hours to be corrected and that I would need to call them again to get the letter stating the debt had been paid. I called on XX/XX/2018 as the account was still being reported as in collection and I had not received a letter stating the debt had been paid. The " manager '' told me he was going to escalate the issue and I would receive a debt settlement processed and get me a letter in 72 hours. I called again XX/XX/2018 as the debt is still showing as in-collection and I had not received a letter or email stating the debt had been satisfied. This company is failing to report the collection as paid and has not set me any letter or communication to show the debt has been paid.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I deposited {$300.00} into Coinbase. XX/XX/XXXX I made an instant withdrawal of {$250.00}. That withdrawal never entered my account. I contacted my bank to ask why. I provided my bank with the transaction reference number provided by Coinbase. The bank said the reference number was insufficient because it was not an XXXX  transaction number, so I went back to Coinbase to ask for XXXX. 

The Coinbase support desk simply refers you back to their self-help FAQ 's. The wait time for a representative, either via phone or via their virtual support, is continuously XXXX hours. Doesn't matter what day or time you call. I tried multiple times and failed to contact them for the first week. If you do not leave the support screen open for the entire duration of your wait, they will start your que over again. 

On XX/XX/XXXX, I started waiting for a support agent at XXXX and finally was able to reach someone around XXXX, nearly XXXX hours later. They claimed that the transaction was completed, and asked for my bank statements to verify that it did not hit my account. I downloaded XXXX from my bank account online and sent it to them, they claimed it was insufficient and told me to ask my bank for XXXX. Since it was midnight by this time, I could not ask my bank. Coinbase sent me an email saying I wouldn't have to sit on hold for support again. I uploaded my bank-retrieved statements to their online platform as requested, then emailed them back to confirm I had submitted the required documents. I instantly received a bounceback email stating that the support case had been closed, and to start the process all over again. 

So, now I'm back on hold, trying to reopen a new case. Even though I've supplied them with my bank statements multiple times, they said I could submit it through email, and I wouldn't have to sit on hold again. Considering Coinbase has a multi-billion dollar net worth, they are more than equipped to provide customer support, and their failure to do so is absolutely deliberate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a subscriber to the Equifax, XXXX, and XXXX credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, Equifax, XXXX, and XXXX. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my Equifax, XXXX, and XXXX consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with Equifax, XXXX, and XXXX. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) Equifax [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!
Product: Credit reporting or other personal consumer reports

I told them that XX/XX/XXXXXXXX account was i identity theft on XX/XX/year> that the account did not belong to me the problem was not solved.
Product: Credit reporting or other personal consumer reports

Please delete these collections from my credit report as these debt collectors have not provided me proper debt validation of the alleged debts with the purchase agreement and have the legal authority to collect on them. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing in reference to your negative items being reported on my credit report regarding an alleged debt I owe to collection agencies as shown on documents attached.There has been a violation of my privacy rights under 15 U.S.C. 6802. Under this law, financial institutions are prohibited from disclosing nonpublic personal information about consumers to a nonaffiliated third parties without their consent unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise.And according to FCRA section 605B as well it is illegal to report without my permission. These items are affecting me from obtaining credit.Please remove negative items as soon as possible.I have the right to to make sure my private information isn't shared
Product: Credit reporting or other personal consumer reports

I submitted a letter to Transunion regarding XXXX XXXX XXXX XXXX adverse account # XXXX. The letter is from the creditor indicating this account would be removed from all of the credit bureaus. Transunion is the only credit report agency that failed to remove the adverse action. I did a written, online, and phone request and I haven't been able to do anything. This is a violation of the FCRA and CA Civil Code 1785.1XXXX.
Product: Credit reporting or other personal consumer reports

When reviewing my income reported to the IRS for tax year 2023, I noticed a 1099-NEC was filed with the IRS from XXXX with my name and SSN, but my address was an address I've never lived at. I've also never worked for XXXX. Victim of identity theft. My SSN was used by someone to gain employment with XXXX. When asking for records associated with this fraud, I was denied.
Product: Debt collection

On XX/XX/year>, I received a written notice from Johnson Mark LLC, a XX/XX/XXXXacting on behalf of XXXX XXXX XXXX, XXXX, claiming that I owe a debt related to a XXXX account with XXXX XX/XX/XXXX. The notice stated that the total amount due is {$3900.00}. 

I do not recognize this debt, and I believe it may have been assigned to me in error. I have not received any prior communication regarding this debt, nor have I received proper validation or proof that I am legally obligated to pay it. Additionally, I am concerned that this debt may be outside the statute of limitations for collection under Hawaii law. 

I respectfully request that Johnson Mark LLC and XXXX XXXX XXXX provide detailed validation of this debt, including the original account agreement and proof of ownership of the debt. Without such documentation, I believe this collection attempt is improper. 

I have not yet contacted the company directly, as I wanted to first file a complaint with CFPB to ensure my consumer rights are protected. 

Thank you for your attention to this matter.
Product: Credit card

In XXXX of XXXX, I requested American Express to block several reoccurring payments/vendors and send a new card. The vendors were blocked and a new card came. 

In XXXX, the same reoccurring fees started to occur again. American Express claimed it was their fault and sent a new card. 

In XXXX, the same reoccurring fees continued - I requested my card to be cancelled. 

In XXXX, my card was not cancelled - and I was billed their {$550.00} annual fee. I withheld {$3200.00} in the final payment and the card was cancelled. 

All I want to happen at this point is for the {$550.00} fee to be removed ( which is not owed ) and I'll pay off the balance. 

American Express told me ( after being a large customer for 14 years ) that no one in the company can remove the fee, provide records that I ever called, and that I will be charged for penalties and interest for years to come.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I disputed with the company listed above that this account is fraudulent. i was told the account was verified and no proof was shown to me of how the account was verified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Settled Account Still Showing a Write-Off The account is reported as " Paid in settlement '' with a " {$14000.00} written off. '' Once settled, the balance should reflect as zero without a charge-off designation. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Incorrect Payment History The payment history incorrectly lists " CO '' ( Charge-Off ) for multiple months in XXXX, even after the account was settled and closed. This misrepresentation affects my creditworthiness and violates FCRA guidelines. 
Unverified Debt and Reporting Beyond Closure No evidence has been provided to confirm Capital Ones right to continue reporting this account in its current inaccurate state. The status update in XX/XX/XXXX should mean no further derogatory reporting is necessary. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days.

Cease further reporting of this inaccurate information to avoid further legal liability.

Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX until XX/XX/year> Sofi bank has held my money of over XXXX now, I'm a homeless vet who can't access my VA XXXX check. due to a dispute in XXXX They will not talk to me or give me a time. i don't have a means of living with them holding my funds.va can't help i have no options for living this all i have in life and Sofi holding my funds with no end date.