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

I am rewriting to express my concern and resubmit this complaint to EXPERIAN regarding the improper use of my credit report and the reporting of inaccurate information on my file. I previously sent a letter to your office requesting an investigation into certain unverifiable accounts. Despite your assurance of conducting a proper investigation, upon reviewing my credit report, I discovered that inaccurate information persists. The discrepancies include but are not limited to, the date opened, date of last activity, date reported, account status, and payment history. It is disheartening to note that such inaccuracies continue to be reflected in my credit report, despite the initial request for investigation. I believe this situation infringes upon my rights as outlined in 15 U.S.C 1681 section 602 A, which emphasizes my right to privacy. Additionally, 15 U.S.C 1681 section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my written instructions. I kindly request a thorough review of my case and the prompt correction of the inaccuracies in my credit report. Your cooperation in resolving this matter is highly appreciated. I trust that, as a reputable credit reporting agency, EXPERIAN will take the necessary steps to rectify this situation and ensure the accuracy of the information in my credit file. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Credit card or prepaid card

I did an refinance last spring with XXXX  XXXX and with the refinance I received a check for XXXX $ to pay for the furnace and heat pump .I took this to Wells Fargo.A teller and was told my card was paid in full. I have a receipt for the XXXX $ .Then I started to receive billings for more money on this card.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX : {$65000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX ON XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me.
Product: Checking or savings account

I opened a Citi bank checking account to get my winnings from an online casino that do instant bank transfer, XXXX Charm Active in the last XXXX = Support Request Amount : {$82000.00} Transferred to : CITIBANK XXXX Last XXXX digits of the account : XXXX Reference number : XXXX Amount : {$8000.00} Transferred to : CITIBANK XXXX Last XXXX digits of the account : XXXX Reference number : XXXX Additionally, we would like to note that the bank and account details for these transactions match those used for your previous redemptions, including the {$550.00} transaction. 
If you have any further questions or require additional assistance, please don't hesitate to contact uS. 
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Product: Student loan

I have XXXX federal student loan and making payments under income base program. I paid my private student loan from XXXX XXXX and I paid it in full startingXX/XX/XXXXup to XX/XX/XXXX which was XXXX. Now XXXX XXXX is trying to charge me XXXX which I paid it in full 4 years. I have no idea what they are saying I have XXXX kids to take care and I do not have enough income even to pay my federal loan. I ask you to help me my condition because I am in big financial crises.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed 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
Product: Debt collection

sent letters to the credit bureaus on these debts {$340.00}, {$260.00}, {$260.00}
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

My coinbase.com account was hacked and $ XXXX was stolen. 

My account was secured with app-based 2FA and address whitelisting, yet coinbase allowed someone to login to my account, sell crypto assets, add their bank account, and steal my funds. 

Coinbase told me it went to a XXXX XXXX XXXX account ending in XXXX on XX/XX/2021. I had already initiated my account lock/recovery on XX/XX/2021. 

In called XXXX XXXX XXXX XXXX XXXX- they told me that coinbase.com has capabilities to stop the transfer. Yet, coinbase tells me the transfer went through and they can not do anything about it. and have a ticket open with no action. 

This was a breach on coinbase and I need help recovering my funds from them.
Product: Checking or savings account

I honestly dont think i was the only one affected. Notice its NOT + {$9.00}, its a debit of {$9.00} Wells fargo basically LOST {$9.00} of mine in my CROWN checking account & can not give an answer as to its whereabouts! This has been happening in my bank & im busy just like everyone & have no time to moniter a bank whos reputation is infraction after infraction of fraud. 


Last night at XXXX i deposited a {$100.00} bill in wells fargo crown checking to cover my reacuring mortgage with them of {$1000.00}. 
& That {$100.00} bill deposited shows as pending, yet its cash, its there in the balance. Still WHY pending? 

But below is the main problem.. 

& second my balance before the {$100.00} deposit was. {$1000.00} & after the {$100.00} bill deposit, the balance showed {$1100.00} on the ATM & on the email receipt i received. 

Now this am my crown balance is {$1000.00}?? 

Thats {$9.00} missing & i see no evidence of the {$9.00}. Not in the wells fargo app, not in wells fargo online, no where. 

I just closed the phone after calling wells fargo & they have NO CLUE where my {$9.00} & XXXX there starts insulting my intelligence asking me if made a transaction for {$9.00} & said it could take days to post??? REALLY?? 

wells fargo posts debits IMEDIETLY, i have all documents to proove my complaint is valid. 

Last week the woman at wells fargo said they are having information problems. You can see how little money i have
Product: Payday loan, title loan, or personal loan

Submitted an application for Personal Loan at local Wells Fargo Bank on XX/XX/XXXX for the amount of {$80000.00}, provided ALL requested documents. 
Application has be denied and I 'm not getting any answers as to a reason for denial. 
My personal tax returns show Adjusted Gross Income of over 220, 000.00, I have no mortgage, all my cars are paid off in full, my credit cards are paid in full every month.

My credit score shows XXXX, my current accounts is Wells Fargo Bank holds over 80,000. 
With all that information Wells Fargo claims that I do n't have enough income or assets at Wells Fargo Bank, they claim that amounts owed are too high relative to my income, and they claim my income ca n't be verified. When I asked about what amounts I owe and who I owe to, and how is it that you ca n't verify my income ( provided XX/XX/XXXXand XX/XX/XXXX Federal Tax returns ) I was told to leave it alone as underwriter already made his/her decision and there is nothing I can do about it. I feel that this is racial profiling, anyone who takes a quick peek at my last name realizes that I am of XXXX heritage and it seems that folks at Wells Fargo ca n't stand a somewhat successful XXXX.
Product: Debt collection

Discover Card called me to say that they had a clerical error when my resolution of debt was paid off that resulted in me owing $XXXX  extra. Discover calls daily 4-5 times a day and leaves a voicemail at XXXX every day. I've told the supervisor who I originally spoke with that I'm available around XXXX for lunch to talk. The numbers they call me from are XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. They called me today (XX/XX/19) at XXXX XXXX and left a voicemail, and again at XXXX. Yesterday (XX/XX/19) I received a call at XXXX that left a voicemail and then called again at XXXX, XXXX, XXXX, and XXXX. Additionally, I've received NO physical notification to indicate what the debt actually consists of.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH AND FACTS I XXXX  ; XXXX XXXX XXXX XXXX do not go by any A.k.a. names. I do not buy or purchase nor request funds or credit extensions or such the like in any other names and all listed by XXXX if inaccurate and false. I have mailed a copy of the requested information thereto XXXX XXXX and they have continued to report inaccurate and false fraudulent information that does not concern me nor my history as a XXXX  XXXX  XXXX  nor as a consumer. I do not use my name in all capital letters and nor am I XXXX XXXX XXXX that is an LLC Estate Trust and im the beneficiary of said irrevocable trust. XXXX  ; XXXX XXXX XXXX XXXX. I am not involved in any student loan payments have never made any payments thereto the alleged information being reported by XXXX XXXX, .. claiming I am making payments or paid as agreed. This information thereto such or said student loans and or multiple student loans claiming pay as agreed using addresses that are not on my personal and private identity cards statements and documents. XXXX is the only consumer reporting agency reporting inaccurate information as to my credit consumer reports and are 100 % inaccurate. 

I do not have any Also Known as Names this is being reported presumptuously by a law firm located near XXXX XXXX, named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have filed claims against this law firm and those whom they claim to represent and have won multiple claims with writ of executions being collected. This information is simply a retaliation attempt and I am interested in seeing the actual documents they will respond with as XXXX XXXX, as they have slandered my good name and credibility. I have not relationships with any creditors they have listed in their system nor do I have said addresses they claim I live at. 

My mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX I also have the mailing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I am a XXXX XXXX  XXXX  I am not a XXXX American  XXXX nor am I XXXX. This is also mentioned by the reports as my title nobility and appellation only ties me to my indigenous heritage as an XXXX XXXX XXXX American and nothing more nor less. 

XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are not allowed to share my private information with anyone especially those involved in legal matters without my consent or knowledge as well you are not to speak nor share my private information addresses and location as well credit numbers without my consent.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I am a consumer that is protected by the FCRA and FDCPA attached you will find Mortgage Companies as well as credit reporting Companies taken advantage of me by furnishing inaccurate/ incomplete accounts in my consumer report.

Please see attached ; Being reported by XXXX, Experian, XXXX
Product: Debt collection

This company continues to harass me without providing the correct information requested. CFPB you need to help me the consumer and investigate this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CREDITACPT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CREDITACPT with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was trying to transfer money through XXXX from my TD account to my daughters XXXX XXXX account. Due to an error with regard to an email address, the money in the amount of {$500.00} was diverted to a XXXX XXXX account which can not be accessed. Within minutes I called TD Bank who said there was nothing they could do and the money was gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am re-submitting this complaint. XXXXXXXX XXXX sent me a letter XX/XX/2021, stating this trade line to be removed from my credit report. As of XX/XX/2021 it is still on my credit report. Even after Experian stated that they removed it from my credit report. I am submitting proof of everything.
Product: Debt collection

Please see my complaint # XXXX. The response was due from RS Clark on XXXX/XXXX/15. They have not responded. They have not validated the debt. They continue to break the law violate my rights and you continue to let them by not following through on the complaints they do n't bother to respond to. This is the XXXX one they have ignored and you DO NOTHING! Please instruct them to remove it from my credit listings immediately.
Product: Checking or savings account

Ok so sometime last year my Bank of America checking account was closed due to fraudulent activity ( in the amount of {$22000.00} ) that wasnt me. Because I lost my wallet with my account PIN number in it. I didnt file police report because i knew it wouldnt help get my belongings back. I tried to dispute it through my bank at the time but they denied my claim and ever sense then Ive been restricted from opening up any other bank account. I called Bank of America recently but it was no help. I really need this to be taken care of because I need to be able to have a real bank account. I cant wait 5+ years for it to be taken off.
Product: Debt collection

This company Account Reoslution Corp in XX/XX/XXXX concluded via a dispute directly through XXXX and XXXX that this debt was invalid and removed it from both reports as of XX/XX/XXXX. On XX/XX/XXXX this account was reinserted to my XXXX report, reporting a balance of {$260.00} which is not my debt. I also was not notified of this debt before it was reinserted.
Product: Debt collection

Credit bureau companies XXXX XXXX Equifax refused to make nessarry changes found on my credit report which continue be denied for different company due to credit scores also incorrect information bein reported on my credit file.. I have submitted documents in mail dispute still notice no change .credit scores to average incorrectly. By increasing credit scores .would help me establish line credit. I'm seekin housein. Companies 's ( call get it now furniture stores ) I haven't never been late have documented bank statements verification. Credit bureau report XXXX. Late payments. XXXX the account made changes from how it was first been reported? Company 's Called XXXX XXXX XXXX XXXX XXXX  This Account paid off in full. is continuing getting away with. reporting incorrect. documentation bills l provide as proof. Payment. Doesn't show late payments anywhere on documents
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights XXXX 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX reference # XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A. States i have the right to privacy.

15 U.S.C. 1581 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$20000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$18000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$15000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$8800.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$2100.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$1400.00} Open Date XXXX XXXX, XXXX XXXX XXXX Balance {$140.00} Open Date XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : Experian Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g., XXXX XXXX XXXX ], which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, Experian, and XXXX ) : XXXX : Highest reported balance : {$2700.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : XXXX XXXXCurrent balance owed : {$2600.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$2600.00} Current balance owed : {$2600.00} Payment status : Closed, reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the Experian report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported.

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus. 

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report high lighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response