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

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

1.FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Failure to perform an investigation per fcra regulation 2. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Failure to perform an investigation per fcra regulation 3. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Failure to perform an investigation per fcra regulation
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX XXXX XXXX XXXX repossed my car, fraudulently. I did not ever miss 3 payments in a row nor did I miss 3 payments in the 3 years I had/owned the car. Their predatory lending ways would have them call me constantly if I was one day or ever late, they called insistently 24/7. When I requested they stop calling so frequently they said that was like putting them on a cease and decist so they could not reach me. I NEVER EVER KNOWINGLY did that. So when they wouldn't reach out to me one night they came and got my car out of the driveway. With the high interest rate I didn't attempt to get it back and called it even.

In XX/XX/XXXX, TODAY hey are reporting on my credit report like this just happen inXX/XX/XXXX, which is a lie, which should be fraudulent and I don't know why it is coming up again like it is recent because it is not. I want them to fix it and not keep reporting it like it just happened. It is causing me undue financial hardship.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023, I fell victim to several multi-layered scam operations run by a sophisticated group of thieves using the XXXX app which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( XXXX ).
Product: Credit card

For my bill due on XX/XX/XXXX I prepaid the balance, then autopay automatically took the statement balance from my checking account. This created an over payment of over {$8700.00}. I called Bank of America as soon as I recognized what happened ( XXXX on XXXX ). The customer service representative told me it should take XXXX business days to get the money back, but up to XXXX business days. On XX/XX/XXXX I called to follow up, they told me since it was such a large sum it would take all XXXX business days. After XXXX business days I still didnt have my money back. It took multiple hours and several calls to Bank of America customer service to finally get some answers. It turns out I had been lied to by several agents about time lines to get my money back, and by calling my bank I learned that BofA had added an additional digit to my checking account and the deposit did not go through. By this point my bank had reject the deposit and BofA had supposedly printed a check to mail. I asked them to cancel that check and electronically deposit my money to the appropriate account, which the manager agreed to put a rush order on it. It is now XX/XX/XXXX, XXXX business days after BofA took my money and I still dont have it back.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I provided all necessary information to create a new account on the Equifax web site. The required confirmation code that was sent to my e-mail contained no code at all. I tried three different alternate methods to log in, and I received no further information on why they would not work. After calling three different numbers, I was finally able to connect to an agent that put me on hold for over 15 minutes and then told me that she was seeing an error message that " she has never seen before ''. I asked to escalate, but was almost immediately hung op on by a Supervisor who only provided the first name " XXXX ''. He barely let me explain the situation, and was argumentative from the beginning of our discsusion. 

I can not login to my account and can not freeze my credit report with Equifax, and find this completely unacceptable.
Product: Vehicle loan or lease

Received buyout quote from XXXX XXXX. As instructed by XXXX  customer service, paid the full amount in two electronic payments because their system had a limit for single payment below the buyout amount. The amount was paid well within the amount of time required for the buyout to be valid. 

Ive confirmed with XXXX  customer service that payments were received, and they also show in my XXXX  account online. It appears though that the payments have not been properly applied to buyout and the account remains active and therefore they will not release title. 

Finally, even though XXXX customer service indicates account is still active, which is why title is not released, XXXX  has reported to credit agencies that account is has been closed. Ive verified this through a credit monitoring service I use. 

The payments for the lease buyout were posted to my lease account online more then 30 days ago. I contacted them first about 2 weeks after that to determine when I might expect to receive title. This is when I first learned that there was a problem. XXXX  never once contacted me. Since then, Ive contacted XXXX  many times. I was told they do not have the ability to communicate any updates out to me, so the only way I can find out status is to call back in. Ive done so multiple times and talked to multiple people. So far everyone agrees that buyout is fully paid, they have all other required documents and account should be closed and title released. But, no one can actually confirm with department within XXXX  that is responsible for doing this that this is actually happening.
Product: Money transfer, virtual currency, or money service

I opened my account with Tradestation ( www.tradestation.com ) on XXXX of XXXX this year. I completed their verification procedures successfully and received an email from Tradestation confirming that my account is fully active and verified. After receiving confirmation I deposited XXXX $ and purchased bitcoin ( @ $ XXXX and $ XXXX ) on Tradestation platform using my account. After the money was deducted from my bank account, I received an email from Tradestation, asking me to go through the verification procedure again. For almost a month I was asked multiple time to provide my driver 's license, passport, selfie holding my driver 's license and selfie holding my passport. I followed their instructions and completed every step efficiently but after few more days I was informed that Tradestation is not going to continue business with me hence my account is going to be closed. Since then I have been contacting them via emails and telephone calls to return my money. I informed them that I have closed my bank account which I used to deposit funds in my Tradestation account and they asked me to provide proof of it. I sent them the letter of account closure and after that they kept on insisting that they can only return funds to the bank account from which the funds were deposited. I called Tradestation client support almost everyday and explained the complete case and requested them to return my funds. On XXXX XX/XX/2021, the client support representative named XXXX XXXX told me to provide my alternative bank account details for the funds transfer and sent me an email with a 'Form for Wire Transfer ' attached. I followed the instructions and filled a 'Form for Wire Transfer ' and returned it. On XXXX XX/XX/2021, I received an email stating 'Funds transfer request confirmation ' but it was cancelled the next day. I kept on sending emails and making phone calls and received the same response that the case is under review and there is no update from the relevant department. On XXXX XX/XX/2021, I received an email from Tradestation stating that they want to have a video call on XXXX XX/XX/2021 at XXXX EST to discuss the options of sending me my funds. On that video call two tradestation representatives again asked to show them my driver 's license and passport for verification and I did what they told. Next I was asked to provide my address history and after telling them about my old addresses, they told me that they can send a paper cheque to my old address and there is no other option for me to receive my money back. I found it very unreasonable and asked them to be rational but they kept on repeating that this is the only option. I told them that I strongly feel that they are not willing to return my money and if there is a justification for sending a paper cheque to the address where I no longer reside. Till date they are responding the same way when I contact them. I really hope and pray that you'll be able to help me and end this phase of XXXX which I am going through. XXXX is holding my funds without my consent for almost 4 months. There is no rational explanation for this.
Product: Debt collection

Allegedly I owe on 2 accounts one for {$330.00} and one for {$180.00}. I have been harassed since 2012 about 2 payday loans that were supposedly taken out online with my information. I have disputed these accounts and they always come back as verified but no contract had ever been provided as requested and the original creditor refers me back to the 3rd party. I contacted them recently and received no resolution. I do not owe this debt and still offered to settle in exchange for deletion to get this behind me and they refused. I do not believe they own the debt and think they are attempting to fraud venerable people. Please investigate and help resolve this matter. All of my certified letters have been unsuccessful in disposition. I recently received a contract that did not include my signature after filing with the better business bureau. This is still unacceptable if I had taken out this loan they would have documents with my signature.
Product: Money transfer, virtual currency, or money service

Good evening, I was inquiring with your department regarding a problem I have. I contacted a local renter on craigslist for a rental property. His name is XXXX XXXX. I forwarded his {$1300.00} amount for property located XXXX XXXX XXXX, XXXX, TX XXXX. That is the address he gave me. Now I have Chime account and I sent him {$1300.00} in american dollars for rent and deposit. I was scheduled for a walk thru and to move in for XXXX of XX/XX/year>. I called and left voicemails for the landlord. No answer or call back. I would like to press charges and retrieve my funds. I called my bank which was no help. They are not willing to assist me. I did my research regarding this matter due to the fact that I have signed an arbitrary agreement, he did say the funds were refundable. I have a text message proving he said it was returnable. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - His Chime name : XXXX XXXXXXXX His address that I was suppose to rent the property : XXXX XXXX XXXX, XXXX, TX XXXX His phone number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I XXXX XXXX XXXX XXXX contacted XXXX Police department fraud as well. 
There is a law in Texas that protects renters from these situations. incident Section XXXX Section XXXX allows the tenant to sue the landlord to recover three times the portion of the deposit wrongfully withheld plus other fees. When less than {$20000.00} is involved, the tenant can sue by going to the local justice of the XXXX XXXX ( justice court ). These suits often do not involve attorneys. 
Remedies for XXXX XXXX Deductions -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - What kinds of transactions can I dispute? 
You can dispute most transaction types in your Chime app. However, Chime doesnt accept disputes for certain transaction types, including those related to certain Chime features. These include : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Bill payments you make with Chime Checkbook.

Paper checks you mail from your Chime app.

Save When I Get Paid or round-up transfers into your Savings Account.

Money transfers between different Chime accounts that are in your name.

Adjustments that Chime makes to your account balance resulting from disputes with external banks ( e.g., a chargeback payment ). 
Wage garnishments and levies.
Product: Debt collection

The company is claiming that I owe them a debt, but this debt is in reference to identity theft ; the company first placed the debt on my credit report in XX/XX/2023 and claimed that I owed them {$5000.00}, and I just recently saw my credit report and the amount of debt has changed from {$5000.00} to {$4900.00}, and now it says I owe them {$50000.00} all of these amounts are false claims ; as I have been a victim of identity theft in the past. I also sent them a NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM letter by certified mail most recently as of XX/XX/2023 as well ; and I am waiting for the reply back from the company.
Product: Credit reporting or other personal consumer reports

Your response to CFPB XXXX fails to address the key issues regarding the inaccuracies and inconsistencies in the reporting of the alleged debt. The balance you are alleging is {$700.00}, yet you have rounded it up to {$700.00} on my credit report, demonstrating inaccurate reporting. Furthermore, when I attempted to verify this debt directly with XXXX XXXX, they were unable to confirm the account, making your claim unsubstantiated and unreliable. Additionally, you have reported inconsistent information to XXXX and XXXX, despite FCRA requirements mandating that all furnished data be accurate and cohesive. The inconsistent dates provided have caused this account to re-age, further violating credit reporting standards. Moreover, you are incorrectly reporting a 120-day late payment status when collection accounts can not legally be reported as past due. Lastly, this account is beyond the applicable statute of limitations, meaning legal enforcement is no longer valid. Due to these violations, I demand the immediate removal of this account from my credit reports. If not corrected promptly, I will pursue legal action for FCRA and FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I received a notification that I had a new inquiry on my credit report. I purposely added a fraud alert on all three credit bureaus a few months ago to avoid this from happening. The credit bureaus are out of control right now and do not care about us consumers. I did not authorize anyone to run my credit for any reason yesterday. The following fraudulent inquiry need to be removed immediately. They are violating my privacy rights by just letting anyone pull my credit. XXXX XXXX XXXX - XX/XX/XXXX. Secondly, TRANSUNION is the XXXX. I have constantly complained to them that I had inquiries that I did not authorize. I complained sooooo many times and they do not care!!! The following FRAUDULENT inquiries from my transunion report need to PROPERLY investigated and removed IMMEDITALELY!!! # 1- XXXX XXXXXX/XX/XXXX, # 2- XXXX  XX/XX/XXXX, # 3-XXXX XXXX XXXX XX/XX/XXXX, # 4- XXXX XXXX XXXX   XX/XX/XXXX, # 5- XXXX XXXXXX/XX/XXXX # 6- XXXX XXXX XX/XX/XXXX # 7- XXXX XXXXXX/XX/XXXX, # 8- XXXX XXXX  XX/XX/XXXX, # 9- XXXX XXXX XX/XX/XXXX # 10-XXXX XXXX XX/XX/XXXX, # 11-XXXX XXXXXX/XX/XXXX, # 12- XXXXXX/XX/XXXX, # 13- XXXXXX/XX/XXXX
Product: Checking or savings account

I deposited a check from and employer for my office supplies and they froze my account they haven't said anything I have illegal activity I will say I have went to the branch and they still say nothing just someone will call
Product: Debt collection

I've done online disputes. I've also mailed letters to XXXX, XXXX and Nationwide Recovery Service. About a XXXX $ negative item on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I belive there is some fraudulent updates on my credit report on EQUIFAX part. 

On XX/XX/XXXX I sent a dispute a investigation for XXXX changes They received the letter on XX/XX/XXXX The sent me a verification email of starting the dispute on XX/XX/XXXX On XX/XX/XXXX I received an update on all XXXX changes. 
IF I FELT LIKE THERE WAS AN ACTUAL UPDATE I WOULD ACCEPT THAT HOW EVER I DONT BELIVE THEY ACTUALLY REACHED OUT TO THE CREDITORS IN TIME > HERES AN EXAMPLE Via XXXX XXXX it said my missed payments were removed. 
Not one missed payment was removed OR Inquiry. OUT OF XXXX. 
I called 2 of the creditors. THey said they did not receive a dispute from EQ. 
I looked in to the information that was updated. 

One account was XXXX XXXX XXXX contacted them. They said thier last update was XX/XX/2020 HOWEVER THE EQUIFAX update shows and validates : I owe {$22000.00} And I STILL have 2 lates. 

Heres the thing i have proof that as of XX/XX/XXXX I owed XXXX XXXX HOWEVER as of XX/XX/XXXX XXXX XXXX LAST UPDATE I owed XXXX XXXX. EVEN ON XX/XX/XXXX I OWED XXXX XXXX. 

EQ never has current information. SO it looks like they updated their last report on file and called it validated. 
But as I said After a talk with XXXX XXXX they said their last 3 bearu update was sent out XX/XX/XXXX and they did not get an dispute via Equifax. 

So I dug deeper, I called some of the creditors i have inquiry disputes with and they didnt receive any disputes for EQ as well.. 

I also looked in to the date EQ claims some of the information was validated looks like 90 % the creditors called the same day. Which is strange. 
But even still if that were the case their fake investigation updates trying to beat the 30 clock was still off by 3 days. 
They received the certified letter disputing information on the credit report on XX/XX/XXXX.
Product: Debt collection

Capital Account Collections has re-aged this account. The Date of Last Activity on this account was on, or before,  XXXX   XXXX ,  XXXX . Texas has a 4 year statute of limitations. Capital Accounts is reporting the  DLA  on my credit report as  XXXX   XXXX ,  XXXX . I finally checked my credit report and realized that this was going on. On  XXXX   XXXX ,  XXXX  I wrote Capital Accounts and requested that they remove this fraudulent info from my account. They responded with a single piece of paper containing my name, an account number, Creditor, and a balance - NO DATE. The paper from Capital Accounts did n't even contain a date that the paper was generated! I responded on  XXXX   XXXX ,  XXXX  that this was a second notice of fraudulent activity under Tex. Civ. Prac. and Rem. Code  Section 16.004   ( a ) ( 3 ). Capital  Accounts has not responded and they are still reporting this debt to the credit bureaus. This is a violation of FCRA  Section 60  5 (  c ).
Product: Debt collection

I've asked them many times via email to send me the payoff and balance information of my account. Their is some problem with the balance and they will not proved the requested information unless I call them. 

I have an XXXX XXXX and speaking with their company exacerbates my condition. As such, I can not be accepting phone calls from the company. I am open to written or email communications. 

All I am trying to do payoff my account but they will not communcate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 ) ( 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.