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

XX/XX/XXXX I have one single address on my report. I've been updated my addresses that were tied to these illegal fraud collections and accounts. These needs to be removed asap!!! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684, 1692g these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1100.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$470.00}
Product: Payday loan, title loan, personal loan, or advance loan

I used Affirm to pay for and item that I bought online. The item I received was not at all as described so I reached out to the seller to get a refund. The seller was non responsive and refused to assist me. I then disputed the purchase through Affirm since they were the loan provider. I provided pages of proof and evidence to support my claim. Affirm sided with the seller and told me that to get a refund I need to reach out to the seller. The seller is non responsive to emails and blocked my phone number and even blocked my wife when she tried to contact them through social media. It is absolutely impossible for me to get a refund through the seller, therefore Affirm needs to take responsibility.
Product: Credit reporting or other personal consumer reports

Sometime back in XX/XX/year> I called the company ( XXXX XXXX XXXX XXXX ) & Region Bank requesting they day take the negavitive inaccurate information from my credit report which I never authorized them to report anyway. 
There was no cooperation I was never sending documentation and now my credit score is being greatly impacted. My late status is exaggerated. 

Would like assistance removing this inaccurates from my reports with XXXX, XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting under the Fair Credit Reporting Act ( FCRA ) Dear TransUnion, I am writing to formally dispute the inaccurate information being reported on my credit file concerning my account with XXXX  XXXX Account Number : XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request an investigation into this matter. 

The account is listed with the following inaccuracies : 1. The account status is marked as " charged off '' with a balance of {$570.00}, which I contest as inaccurate.

2. The reported history of missed payments and negative remarks does not align with the proper procedures for verifying accuracy under the FCRA. 

I believe this account may be in violation of consumer protection laws, including but not limited to the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : Incomplete Verification : If the information can not be fully validated with complete and accurate documentation, the reporting agency must remove the disputed account. 
Statutory Requirements : Inaccurate, outdated, or unverifiable information must be deleted per Section 609 and Section 611 of the FCRA. 

Please conduct a thorough investigation of this matter and provide me with a written response regarding your findings. If the accuracy of this account can not be verified or corrected, I request its immediate deletion from my credit report. 

Additionally, please notify all credit reporting agencies of this correction as required by law. 

I expect a response within 30 days as outlined in the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I received a letter from Synchrony Bank in XXXX informing me that I needed to activate a Mastercard rewards card that would replace my existing credit card associated with a CareCredit account managed by Synchrony Bank. When I activated the card, a new account with Synchrony was opened and the old account I had with them was closed. I contacted Synchrony in early XXXX to resolve the issue, as I had never authorized the company to open a new account or applied for a new card. The representatives that I spoke to shrugged off my issue and I received a typed response from Synchrony informing me that by activating the new card, I had agreed to an upgrade of the my account and the old account was considered, " Account closed due to TRANSFER. '' Synchrony 's actions had a direct impact upon my credit score and I believe they possibly broke the law by opening a new account and closing an old account without my authorization.
Product: Credit reporting

I have contacted Experian to dispute the information they are reporting regarding a Bankruptcy in which they have obtained this information. I contacted the court and were informed they do not furnish records and information to the credit reporting agencies, which they do not. The credit reporting agency responded by telling me they are not required to give me that information. They have violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). We request that the bankruptcy in question be removed from file forthwith.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I had filed a 3rd complaint with the company about this ongoing issue. I filed a complaint with Transunion as well since my paid off mortgage was removed from my credit report. I will be attaching the response to this for supporting evidence. Transunion indicated that your company XXXX XXXX told them to suppress my paid off mortgage from my credit report which is inaccurate. There was an error in the system that marked that my mortgage was 30 days past due and you all have indicated that was invalid and provided me with documentation supporting that it should be removed, however TRANSUNION will not add it back stating your company must reinsert to my credit report. I would like it reinserted on to my report ( taken from suppression ) correctly and to show that I WAS NOT LATE!!!!!!!!!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

The company in question is XXXX / Coinbase. 

I transferred funds to XXXX using a SEPA transfer from the XXXX on XXXX XXXX. The funds were showing in my XXXX account 2 days later - converted from GBP to XXXX. 

Due to changing circumstances, I need to transfer the cash back immediately - again using SEPA. Everything is in place for this to happen - my account is properly linked, and the balance is clearly showing. When I try however, I get the error message 'Insufficient Funds '. I have n't bought or sold anything on the exchange, so the money has been sat in the same place since I transferred it. I get the same error message if I try to withdraw a smaller amount, or even to trade on their exchange using my funds. In short - despite showing the full balance, XXXX are not acknowledging that the funds exist. Please see attached screenshots of the balance, and error message. 

I have tried emailing XXXX and Coinbase support multiple times. They have only responded once - with a reply completely irrelevant to my query - I 've also attached a copy of this - other than that no response despite emailing 5+ times, and spending hours on hold for their support team, only to be hung up on immediately after connection. 

I simply want my funds back quickly. Given the ease with which I could set up an account and send funds TO the company - the difficulty I 'm having withdrawing those funds, or even getting a reply at all - smacks of fraud. 

If you can offer any help, it will be greatly appreciated.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received an email from Rocket Loans advising me that it was the last day to make my payment before my account would receive negative marks on my credit report. I rushed to log in and scheduled the payment which was not drafted until XX/XX/XXXX. Last week I received an alert from my credit monitoring service that my credit score dropped XXXX points due to the negative reporting from Rocket Loans. 

I've called and escalated this situation up to what they call their leadership team and have been unable to receive any kind of solution. They claim the email is automated, but that is very misleading to write an email that states if I don't make the payment on that date then I will receive negative credit reporting. I've spoken to over 3 people and they all refuse to assist me with this matter, it is not fair to me that I receive these negative markings due to their lack of communication. 

I would like someone to research this matter, as this is against Fair Credit Reporting laws.
Product: Checking or savings account

On XXXX XXXX at XXXX eastern time, I was contacted from the Wells Fargo customer service number ( the same number on the back of the card ) s Upon answering the phone, a banker name XXXX answered and told me that my account was being flagged for fraudulent activity at a XXXX XXXX through XXXX XXXX. He was very professional and organized with his scheme. He instructed me to move my money out of my checking and savings account to XXXX XXXX and then move it to the new debit card number that you provided for me and told me by new debit card would be mailed in XXXX business days. This banker had my last four of my social and my home address. Had access to my Wells Fargo account. 

I filed a police report in XXXX XXXX XXXX. They were aware of the fraud/scam surrounding Wells Fargo XXXX I also filed a complaint with XXXX. 

Wells Fargo has denied the money being returned to my account. They told me there is nothing that I can do. The amount of money that was moved was {$2500.00}.
Product: Credit reporting or other personal consumer reports

Hard inquires : 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
Product: Debt collection

After calling several offices regarding the charge-off of a 13 year old loan. XXXX XXXX   has handed the collection attempts to XXXX, XXXX, XXXX XXXX XXXX and which they sent to their partner law office Parnell & Parnell. I have never heard or seen a letter from Parnell & Parnell in regards to this time-barred loan. XXXX, XXXX, XXXX XXXX XXXX XXXX hasn't contacted me in years regarding the Loan. I recieved a call from XXXX XXXX  official on XX/XX/30 which was threatening and she did not mention that other Law offices had the loan. I contacted XXXX XXXX. on XXXX and they passed it off to Parnell & Parnell in  which are the ones to file to sue against me. XXXX stated they were more local. This situation is very manipulative and unethical way to sue a me without prior knowledge. XXXX refused to give any information and I am not able to reach the Parnell group.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have initial filed a dispute on XX/XX/2020 for inaccurate information being reported. On XX/XX/2020 I sent in another letter hoping to get acknowledge. As of today XX/XX/2020 I have not received any information regarding an investigation. It has been well over thirty days and I would like for a thorough investigation to begin immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service when money was taken from me on their app that I did not approve of. I could not get help from anyone. It happened a few times in XXXX and XXXX. Their actions caused me financial loss. I had repeated fraudulent activity happening to my bank account from cashapp. I had to close my bank account. They violated Consumer Financial Protection Act CFPA and they did not comply with Electronic Fund Transfer Act EFTA.
Product: Debt collection

According to multiple Government reporting agencies, Portfolio Recovery Associates Inc is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX i logged into my paypal acct ; although the payment screen on my mobile phone and desktop said " next auto pay '' XX/XX/XXXX - no payment came out - i have a screen shot of the desktop showing the issue. It would not allow me to screen capture on my mobile device. 
When I called to point out the problem - they stated i changed the autopay and it takes 30 days to get into the system. 
However their website site should not reflect XX/XX/XXXX if it was within 30 days - it should have reflected XX/XX/XXXX. 
Additionally, when I asked to speak to a manager they put me on hold and never got back to me or let me know how long it would be. As I am at work I had to drop @ 22 minutes 46 seconds. 
Because the payment is a day late, it will now affect the special financing of 6 months. 

So, I find it extremely deceptive that their payment Auot-payment screens dont reflect real time reality.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I received communication from a company by the name of XXXX stating they owned this debt and were collecting. On XX/XX/2014 I disputed this account on my credit Due to it showing a XXXX XXXX listed and not XXXX who contacted me. Transunion and XXXX as well as XXXX XXXX responded with it meet FCRA and would remain reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). This violates the FCRA. I have included information to update my address. 

ACCOUNTS XXXX XXXX not mine XXXX  XXXX XXXX not mine USD/XXXX  XXXX not mine XXXX  XXXX XXXX  XXXX {$110.00} not mine XXXX XXXX  XXXX {$380.00} not mine XXXX   XXXX XXXX {$490.00} not mine XXXX XXXX {$610.00} not mine XXXX XXXX {$20000.00} not mine
Product: Credit reporting or other personal consumer reports

I have attempted to have XXXX stop reporting my information that I never gave them permission to report to other credit agencies. They have sent email to verify it's me with a link that is in clickable to prolong the process. By them sending false information to XXXX, Experian, and XXXX these agencies have reported false information effected my rights as a consumers to access credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to live in XXXX. I leased Lexus car my payments used to {$490.00}, never missed a single payment. I then moved to XXXX, sale tax has increased by XXXX dollars. I did not receive any note or letter or notification asking me asking to pay XXXX   dollars more a month. I continue to make payments for {$490.00} via automatic debit, Lexus continued to debit $ XXXX month.I XX/XX/2017 I was shocked that I was reported for late payment even though I always paid the XXXX via automatic debit, Lexus stated that I had to pay {$500.00} ie XXXX dollars more.It would have been easy for me to pay the XXXX had I known about it. Have never in my life missed a payment. I believe that this is unfair practice since any logical person can realize if I am paying {$490.00} i could have easy been able to pay the who {$500.00} had I known that this my about due .I never intended to delay in payment just dd not know. When I new form my credit report I immediately pain the deference, I beige is unfair to label my credit report with late payment where I clearly paid the money ( {$490.00} ) every month via automatic debit, for very brief time the amount was XXXX dollars short just because I did now. I contact Toyota /Lexus they wot even talk to me and refused to work with me on that. I disputed this but was unable to change this.
Product: Debt collection

i was never seen this for this medical visit it was not me who got medical care.
Product: Money transfers

On XXXX/XXXX/15, my car was vandalized and my purse was stolen out of my car, including credit cards, checks, my driver 's license etc. The incident has been reported to the police, and my insurance company. I cancelled all of my cards that day, and I notified my bank, XXXX XXXX XXXX XXXX. Please refer to attachment C for the police report, and attachment F for the report from the autoshop. 

On XXXX/XXXX/15, the thieves took out XXXX money orders with Money Gram over the internet using my license and my checking account information. This took place while I was physically at the bank. The bank immediately reversed the money, and credited it back to my account. My bank also notified Money Gram that this transaction was fraudulent on the XXXX of XXXX. 
Please see attachment D for the transaction records to Money Gram, and charges made XXXX. 

On XXXX XXXX, I recieved a letter from XXXX XXXX XXXX indicating that I owed money. I responded to XXXX explaining the situation, and that this had already been reported to Money Gram on XXXX XXXX, 2015. I included a dated letter explaining the incident, I included the police report, the records from the autoshop, the bank records showing all of the fraudulent charges, and the letters from XXXX for verification purposes. 

On XXXX XXXX, 2015, I recieved another letter from XXXX explaining that I owed money, even though I had responded on the XXXX of XXXX explaining the whole scenario. 
I am usure of where the money was transferred, but XXXX and Money Gram should follow up with the recipients. 

I am officially filing a complaint against Money Gram and XXXX XXXX XXXX for irresponsibly sending out collection notices after being supplied an official explanation of events.
Product: Credit reporting, credit repair services, or other personal consumer reports

An address on my credit report does not belong to me. I dispute with the credit agency.

two out of the three remove it with no problem. the third refuse to remove it. The is XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft ; 15 USC 1681c-2 ; The information listed on my report such as XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX is the result of identity theft. This is causing inaccuracies to be reported. This fraudulent information is not available on my XXXX XXXX Report. I am asking for it to be removed ; 15 usc 1681 ( a ) ( q ) ( 3 ).