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

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i do not recognize this account and i have made many complaints through CFPB and the credit agencies fail to remove it from my credit report, i request that it be deleted because it does not allow me to make progress on my credit since it was marked as bad debt. 

ACCOUNT : CITIBANK  - XXXX
Product: Vehicle loan or lease

I mailed a check to pay off the lease and it was applied to our account on XX/XX/18. This payoff resulted in an overpayment. XXXX XXXX XXXX mailed a check on XX/XX/2018 to our home address which was on file. This payment had no tracking number nor was it sent requiring a signature. Unbeknownst to us, this check was fraudulently taken and cashed on XXXX at a check cashing facility. We contacted XXXX XXXX XXXX on XX/XX/18 about the whereabouts of the check. At that time, we were advised that the check had been cashed. We informed them that we had not received or cashed the check. We asked that we be provided a copy of the check and were told that it would take a couple of days to receive from their bank. After the phone call with XXXX on XX/XX/18, we immediately filed a police report and a complaint with the postal inspector. We also advised the local post office that this check may have been stolen from our mail box. On XX/XX/18 XXXX XXXX sent us a copy of the check that was provided by their financial institution which shows that the Payee was not the one who cashed the check. Despite knowing that we were not the ones who cashed the check, they refuse to reissue the funds to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been late on making my loan ( truck ) payments. I pay the loan bi-monthly. I have been paying 1/2 of the monthly payment for several months. I am aware that I was late but I was told by a representative of USAA that as long as I made a partial payment I would not be reported to the credit agencies. However, I was reported as of XX/XX/XXXX. I contacted USAA to review and confirm what I was told. They would not agree that I was told by their agent that as long as I made partial payment I would not be reported because they can only go back any review calls for 30 days. I know it has been longer than 30 days. This is completely unfair. It is my word against theirs and of course, they are not going to admit what I was told by their agent. 

I completely accepted responsibility for being late but since I was told that as long as I made a partial payment I would not be reported to the credit bureaus but I can not prove what I was told and they refuse to remove from my credit file. In 29 years of being a member of USAA, we have never been 30 days late on any account ( we have several XXXX. Please review and see if this can be removed from our credit file. 

XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information from my credit report, as provided by your bureau. It has come to my attention that the items I recently disputed have been verified, but upon further review of my credit report, I have identified numerous additional inaccuracies. These inaccuracies are in violation of federal laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Billing Act ( FCBA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable statute of limitations laws, as well as state Deceptive Trade Practices Acts ( DTPA ). 

The following items on my credit report are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I kindly request that you investigate the accuracy of these entries and provide documented verification within 30 days, as required by the FCRA. If you can not verify these entries or if they contain inaccuracies, I insist on their immediate removal from my credit report, as mandated by federal and state laws. 
Under the FCRA, I am entitled to : A timely response to this dispute ( within 30 days ). 
A free copy of my credit report once this dispute is resolved. 
The removal of inaccurate information. 
Furthermore, the FCRA, FCBA, FACTA, and DTPA emphasize the importance of ensuring that the information on my credit report is accurate, fair, and substantiated. Violations of these laws may result in legal action. 

In addition to the FCRA and FCBA, please consider the following laws that protect consumers like me : The FDCPA, which ensures fair and ethical debt collection practices. 
Statute of Limitations laws, which may apply to the debts in question. 
[ Include any relevant state-specific laws, such as your state 's DTPA. ] Enclosed with this letter are copies of documents supporting my claims. 

Please send me written confirmation of the actions taken regarding this dispute, as well as an updated copy of my credit report once the inaccuracies have been rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I'm sending this complaint the current issues on Credit Report. I am not swayed that Experian has investigated this account properly. Their investigation about this account was totally incorrect. I am not seeing this account to any of the other credit bureaus which were so odd. I believed they have not reached out to the furnisher to validate. Therefore, I have sent out a couple of written complaints to raise this concern but other than the credit report I have, I have never heard any feedback from both Experian and the creditor. Make sure to explain the outcome of your investigation about this account with XXXX XXXX XXXX Balance : {$3200.00}
Product: Money transfer, virtual currency, or money service

Previously filed with Consumer Finance.gov regarding Truist Claim XXXX Truist has denied previously filed claim because the transaction was authorized even though it was done through a scammer 's fraudulent website. I now find that in XX/XX/2021, the Consumer Financial Protection Bureau issued guidance to banks that authorized scam transactions considered fraudulent P2P transactions because although, they were initiated by someone else, a scammer 's website in my situation, and I, the consumer, received no benefit. I understand that these guidelines are going to be further clarified in coming weeks requiring banks to repay customers who fall victim to alleged money-transfer scams by deeming payments made to a scammer as unauthorized. 
In the mean time, do I need to keep my case open to allow a future claim, contact my local news station or do whatever to retrieve my {$270.00} scammed funds. What bothers me most is that there is nothing I'm aware of where Truist made attempts with XXXX XXXX ( scammer 's bank ) to hold the funds pending investigation. Especially bothersome is that Truist as with most banks are aware of XXXX not vetting their clients as well, leading to further scams. The scammer 's website XXXX XXXX XXXX has since been shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote to XXXX, XXXX and Experian. Requesting an investigation into items that I know is INNACCURATE. To this date, I have not received a reply or any acknowledgment that an investigation has begun. I feel like I am being look past and ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a complaint about inaccurate information on my credit report ( s ) about bankruptcy that XXXX was reporting. After filing a complaint about XXXX I received a letter from XXXX via email explaining they had made and mistake and that they removed it from my XXXX file. I have filed a letter and requested validation with each of the 3 credit bureaus and ALL responded back stating they in fact verified the records with XXXX. This should be impossible with this letter AND for the fact that my address is FAR from correct on the XXXX Account. Each of the Credit Bureaus responded back with letters stating that they VERIFIED with XXXX, I have received them via US mail. 

I have included a copy of the Orginal letter as well as my hi-lighted proof from said letter from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove unauthorized inquiries from my reports.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KY XXXX Date Of Birth : XXXX Social Security : XXXX Email : XXXX XXXX, XXXX XXXX Experian Date : XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act. The List of accounts below XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to any consumer reporting agency if the ( A ) ( XXXX ) person knows or has reasonable cause to believe that the information is inaccurateUnder the Fair Credit Reporting Act ( FCRA ), you are required to investigate and remove any inaccurate or fraudulent information from my credit report. I kindly request that you conduct a thorough investigation of these accounts and remove them from my credit report immediately. Additionally, please place a fraud alert on my credit file to prevent further unauthorized activity. Once the investigation is complete, please send me an updated copy of my credit report reflecting the removal of these fraudulent accounts. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/2018 I tried to sign up for XXXX credit monitoring services and was denied because they are not able to access my Equifax file. This is the second attempt to sign up for the XXXX services to no avail because of Equifax blocking my report. I contacted XXXX 's customer service at XXXX at XXXX XXXX to see what were the next steps and they directed me to contact Equifax customer service at XXXX at XXXX pm. I spoke with a representative and informed her that I was denied subscription with XXXX because they were blocked from accessing my report. I requested that she assist me with granting access to XXXX. The female representative states that because I am not a paying customer with Equifax, paying for one of their products that she is unable to assist me. I told her that I was informed to contact that department, but she is unable to help me? She said that she is unable to look into my request because I don't have a paying subscription with Equifax. I disconnected the call and hung up to speak with another representative. A male foreign representative answered and I requested to speak to a manager. Instead of him transferring me, he repeatedly asked if he could assist me. I told him I would rather speak with a manager because none of the representatives were able to help me in the past requests. He refused to transfer me until I asked for his name so that I can add him to the complain that I planned on sending to CFPB. He hesitates for a few and says his name is XXXX, which I'm sure is not his honest name. He then says he is transferring me to a manager. After a brief pause another male answers which sounds to be the same foreign person. I asked for his name and he says is name is XXXX. I was unable to resolve anything and am so frustrated that I have to deal with such an incompetent company. 

I find it very odd that my credit report can be pulled for a new application, but when I am trying to sign up for a monitoring service to monitor my own credit Equifax blocks the request. Knowing that Equifax is unable to protect my personal information since being one of the victims in the Equifax security breach, I am trying to monitor what is going on with my credit.
Product: Credit reporting

I disputed a collection on my credit report for XXXX and received dispute results after completing the processing of my dispute results were removed/deleted. The date Trans Union complete dispute was XXXX XXXX, 2015. On XXXX XXXX, 2015 the collection agency, XXXX XXXX, re-reported on my credit report and they have already been removed. I do not have an account with this company nor have I received written communication from XXXX XXXX. Please assist in the removal of XXXX XXXX permanently. Thanks
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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- ( XXXX ) 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. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the accounts is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of four accounts on my credit report that were opened in my name without my permission. The reason I even checked my credit report today XXXX/XXXX/2020 is because I was planning on applying for a personal loan. The accounts were opened with these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I do not have any relationship, written contract or agreement with any of these companies nor did I benefit anything from the accounts that were opened with these companies such as money, goods, services or any other benefit and I did not take part in any purchases or payments that might have been made towards these accounts. have no idea who is responsible for opening these accounts in my name without my authorization but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I have filed this report to the best of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

A computer glitch that was XXXX problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted XXXX in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.
Product: Money transfer, virtual currency, or money service

About 2 years ago, I opened an account with Crypto.com ( the commercial name of XXXX XXXX XXXX XXXX XXXX ) and had a small balance of about {$10000.00}. This year I decided to invest in cryptocurrency and sent {>= $1,000,000} to Crypto.com to purchase the same equivalent sum in XXXX crypto currency ; this transaction cost me a fee of about {$44000.00}. Crypto.com holds these crypto assets but I am not comfortable with such holding. About ten days ago, I decided to take possession of my assets and that is when the trouble began. I attempted to transfer my own assets to my control to a " cold wallet '' and was only able to transfer {$180.00} and Crypto blocked all my transfers .... for days I requested Crypto to lift this hold which I never authorized but Crypto just ignored me. I then demanded to close my account and Crypto refused to close my account as such would mean that I would have access to my crypto assets. I have been prevented by Crypto. com to get my own crypto assets. 
I am XXXX XXXX XXXX and this is a big stress for me. 
Today I received through their App - the following message " Upon checking internally regarding your case, I can see that the crypto withdrawal feature is temporarily disabled on your account for further analysis and assessment. This restriction will remain for at LEAST 30 days period while we are internally investigate the case. Please note the access to the account remains intact and the balance can be withdraw at any time to a verified bank account. '' My balance in cash is about {$4000.00} but I am prevented to use the {>= $1,000,000} in crypto assets or prevented to CLOSE my account. 
I discovered that in Florida alone, just in one year, the XXXX XXXX XXXX received XXXX complaints against Crypto / Foris Dax from people which were prevented to withdraw their own assets. 
It is clear that this is a fraud designed by Crypto to prevent people to access their assets while using their client 's funds for profit at no cost. 
It is just unbelievable that Crypto has continued refused closing my account with them for over a week despite countless demands. 
Yesterday I received a call from someone who gave me his name as XXXX XXXX- this person told me that I maybe could " be authorized " to sell m

y Crypto assets and convert into USD - of course at a profit of {$45000.00} to Crypto / Foris. Of course any withdrawal would be capped at a limit of {$100000.00} per week to my bank .... Totally unacceptable for me. Again I demanded immediate closure of my account to no avail. Crypto refuses to close my account. As side note : it is worth knowing that there are no telephone number to reach Foris / Crypto, no customer support other than robot responses and no other manner to interact that through their App .... an organized cover up. Foris Dax / Crypto should be heavily regulated... It is also
note worthy for other to be VERY SUSPICIOUS ABOUT crypto.com they take your money and they love it so much they don't want to return it to you and make " internal investigations " for 30 days or more - totally illegal ... Stay away from crypto.com ....