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

I am filing a compiaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 






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Product: Money transfer, virtual currency, or money service

I opened an account with Coinbase years ago and bought some XXXX. I have traded very infrequently since and, though I have maintained my account with them, I have not been following the investment closely. 
About a month ago, I tried to log into my account. The site rejected my attempt saying that the user XXXXXXXX was wrong. 
I could not find a functioning telephone number other than XXXX that directs me to the troubleshooting website. 
Using that site, I have tried multiple times to have the right info sent to me by email/text and, when I enter the info sent to me, I am still being rejected. 
I am unable to buy/sell my assets and, for all intents and purposes, the firm has impounded my holdings. I need help. 
Thank you.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX & XXXX, I sent a letter to Trans Union regarding the following accounts on my credit report : XXXX XXXX XXXX acct # : XXXX ; XXXX XXXX XXXX acct # : XXXX & XXXX XXXX XXXX acct # : XXXX. By not reporting the ENTIRE ACCOUNT NUMBERS, THEY ARE NOT REPORTING 100 % ACCURATE INFORMATION AS REQUIRED BY SECTION 609 OF THE FAIR CREDIT REPORTING ACT. And because of their improper procedures this is highly damaging to my credit score.Trans Union is continually violating federal law by not reporting the full account numbers per account. Also, there's several hard Inquiries on my report without my knowledge. According to the FCRA a hard inquiry can ONLY be made with the explicit consent of the inquiry. AGAIN, I DID NOT consent for these inquiries, nor was i even made aware of its occurance. I have asked Trans Union to please remove these from my report. I submitted to Trans Union in XXXX a letter showing i've dealt with Identity Theft, yet they continue to list things on my report and have yet to provide documentation i have requested.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , Experian credit reporting agency XXXX and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I noticed a company on my consumer report that is not mine. I sent a letter to the company and they refused to respond. I am demanding verification and validation of this alleged debt. Please take notice this is my notice that I dispute such debt. 

This is a violation of my rights as a federally protected consumer. 


PLEASE REMOVE AND CEASE COLLECTION ATTEMPTS IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

The inaccuracies on my credit report are a big hindrance to my financial XXXX, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to contest the presence of incorrect and faulty accounts on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or incomplete information on my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. The accounts I am disputing are : XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX Balance Owed : {$29000.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX Balance Owed : {$9900.00} XXXX XXXXXXXX XXXX Balance Owed : {$820.00}. The information in these accounts is incorrect and does not accurately represent my credit history. I request that you investigate this matter and correct any inaccuracies found. The FCRA 's section 611  mandates credit bureaus to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Product: Credit card

I recently opened a Citi Simplicity card to utilize a balance transfer promotion. I entered ( correctly ) the credit card number tied to the account I wanted to pay off via the balance transfer offer. Their automated system identified the destination bank information wrongly, and the payment was sent to a bank unrelated to me. 

I reached out to my bank that holds the credit card I attempted to pay off, verified they had not received the payment, and then asked my bank XXXX XXXX XXXX XXXX XXXX ) if they'd stay on the line while I attempted to get a Citi representative on the line for a XXXX way call. 

I did successfully manage to do so. They were able to tell us what bank the payment actually went XXXX, a bank I have no connection with out on the west coast. They were able to reach out to the wrong bank and verify the payment did indeed go there, but were unable to provide any further information. The citi representative was supposed to reach out to me on the XXXX to follow up on retrieving the payment from the wrong institution, and sending it to the correct one, but has not followed up. 

I tried reaching out to her today but the call center will not transfer me directly to someone, but did note that she was supposed to reach out today ( XXXX ). I have not received correspondence. 

This is deeply concerning as myself, and the representative from my bank ( Visions ) did confirm with Citi that the card/account number I provided was accurate, yet the funds ended up somewhere else. I currently now have a balance of XXXX $ XXXX on this Citi card, funds that I have no receipt of. 

I was informed that there are no direct extensions, numbers or email addresses within Citi for correspondence, and that I will have to call the generic customer service number and work through layers of managers and supervisors every time I want to follow up. This is incredibly painful and stressful, as I now owe $ XXXX on a balance transfer that I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. Additionally, I provided a locally filed police report in XX/XX/2022, and the accounts are still reporting.
Product: Debt collection

I had an account with the  XXXX   XXXX  that was discharged in a BK. They sold the account to Receivables performance management. RPM now is reporting it as an active collection on my credit report.
Product: Checking or savings account

On XXXX XXXX 2023 XXXX was garnished from my Wells Fargo checking account by order of the XXXX XXXX XXXX in Nebraska. I am a XXXX XXXX XXXX veteran of the XXXX XXXX. The funds in this account were entirely made up of a housing allowance issued by the VA, Pell Grants, and student loans exempt from garnishment. I scheduled a hearing on XX/XX/2023 at XXXX with the XXXX XXXX XXXX XXXX which they agreed and created a Journal Entry and Order stating that the funds are exempt. The XXXX XXXX XXXX faxed Wells Fargo directly this order. Today on XX/XX/ 2023 I was told that the court order was not enough for them to release these funds that shouldn't have been held in the first place. I'd like to file a formal complaint that Wells Fargo is violating Federal Law under the CCPA and a court order that the funds are exempt leaving a veteran student with no means to pay his rent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality u Der 15 USC 1681. XXXX Account 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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal data was collected and resold without my permission for profit by XXXX, yet XXXX failed to secure this most critical of personal data from being stolen.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I deposited {$990.00} from my checking account into my Robinhood account. I provided proof that the {$990.00} was from my personal checking account and they refuse to return my money or reactivate my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account for XXXX XXXX College, in the amount of XXXX, was showing on my credit report. I contacted the creditor in XX/XX/2017 to ask for proof that this amount was actually attributable to me and I had a legal obligation to pay them. They could not provide this information, so in XX/XX/2017, I demanded that the account be removed from my credit report. It was removed. 

Now I see the account has again appeared on my account. This is a clear disregard of the FDCPA.
Product: Credit card or prepaid card

I spoke with a representative from Netspend this morning, who told me I owed them money for an old dispute that was resolved by me. After 10 days, Netspend was supposed to issue a provisional credit which they did not do. They allowed the case to drag on for over a month and a half, including inappropriately holding funds that I had deposited on the account to pay a phone bill. After total disgust in their handling of my dispute with XXXX XXXX - I filed a complaint with XXXX  XXXX XXXX   and spoke with the airlines. The very next day the money was returned to my account. Netspend did not resolve the issue. I had to because it took Netspend so long to do so. 

They have consistently refused to release my funds from my tempoary card - WHEN I DON'T OWE THEM ANY MONEY. 

My account has a XXXX balance and the remainder of the money was returned to me by XXXX yesterday. If there was an issue with an outstanding balance- they would have told me over the last month and a half of using the card and not retuned my money. 
In fact, I also believe that they shorted me my refund from XXXX - an issue that has never been resolved with them. 

In speaking to them this morning - they want to have their Global Escalation team to call and have continued to XXXX me around rather than releasing the funds right away, so that I can make my payment due for my cat which is now late because rather than releasing the funds yesterday - that they had no right to hold- they have continued to make up bunk XXXX stories about money I DON'T OWE THEM OR ANYONE ELSE. 

I Missed half a day of work yesterday along with other obligations I needed to get done and INCURRED A LATE PAYMENT BECAUSE THESE PEOPLE JERKED ME AROUND ALL DAY YESTERDAY AND HELD FUNDS THEY HAD NO RIGHT TO HOLD. 

In reading online about th his company last night - they have tried to play this game on other people, who finally did recover their money - because Netspend was DEAD WRONG IN KEEPING IT IN THE FIRST PLACE. 

These people are cooked as the cows who come home. 

They should be investigated not only for their fraudulent activity on my account. But for the many others who have suffered at the hands of their or theft. 

I WANT MY MONEY RETURNED IMMEDIATELY, SO THAT I CAN PAY MY BILL. PLUS THE LATE PAYMENT THEY WILL OWE FOR NOT IMMMEDIATELY RELEASING MY FUNDS YESTERDAY.
Product: Credit reporting or other personal consumer reports

CONSUMER XXXX XXXX XXXX, CAPITAL XXXX VIA DEALER XXXX, AN XXXX XXXX XXXX XXXX, PFS XXXX XXXX XXXX, CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PROFESSIONAL FINANCE XXXX, XXXX XXXX XXXX XXXX XXXX, WORLD ACCEPTANCE- XXXX XXXX,
Product: Debt collection

I am writing in regard to the alleged debt you are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. 

Please provide the following information : Proof that I am responsible for the debt : Documents demonstrating that I owe this debt. 
Details of the debt : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied. 
Name and address of the original creditor : If this debt has been sold or transferred, I need to know the name and address of the original creditor. 
Proof of your authority to collect this debt : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.
Product: Checking or savings account

Wells Fargo bank processed the same check in the amount of {$25.00} twice in two consecutive months, My account was debited twice. When I bought it to the bank staff they informed me that one time the check was processed via mobile banking and the  other time via a credit union.I inquired why the bank internal system didn't stop this action. The adjustment dept credited my account {$25.00}. However the resolution dept could not provide me with a sufficient explanation that they had a comprehensive system that would consistently prevent the same action from happening again. I informed the bank staff that I do not consider this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that XXXX and Equifax are being uncooperative in removing an old account that was sold to another debit buyer. 
The XXXX XXXX XXXXi has sold the following accounts to XXXX XXXX. Account number XXXX. 
Partial account number XXXX When a consumer has multiple collections for the same account listed on their credit report it is considered double jeopardy. This can happen when the debt is being reported by both the original creditor and the collection agency on your credit report or when the debt is sold to another collection agency. By law, this is considered fraud. And XXXX and Equifax are enabling this illegal act.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account sofibank na XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX THESE ARE NOT MINEThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

To whom may concern, I am writing to formally request the immediate removal of closed accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several closed accounts that are no longer accurate representations of my finacial standing. These accounts have been fully paid off and are no longer active. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information contained in consumers ' credit reports. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that information that is inaccurate or can no longer be verified must be promptly corrected or deleted from the consumer 's file. 

Therefore, I request that you remove the following closed accounts from my credit report immediately : 1. XXXX XXXX XXXX Reason for Closure : Terms met account is paid. 


Enclosed with this letter are copies of relevant documents, including proof of payment for these closed accounts. I trust that this documentation will assist you in promptly processing my request. 

I am fully aware of my rights under the FCRA and expect the credit bureau to comply with its obligations to ensure the accuracy and fairness of my credit report. Failure to remove these inaccurate accounts may result in a violation of the FCRA. 

I kindly request that you provide written confirmation once these accounts have been deleted from my credit report. Additionally, I would appreciate any updates or information regarding the status of my request. 

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Thank you so much for your time.
Product: Debt collection

LVNV Funding LLC [ Address of LVNV Funding LLC, if available ] Subject : Request for Documentation Regarding Account Dear LVNV Funding LLC, I am writing in reference to the account listed under my name with an open balance of {$15000.00}, as reported on [ specific date, if applicable ]. I am not disputing the account at this time but am requesting further documentation to ensure the accuracy of my records. 

Please provide the following information regarding the account : 1. The date of first delinquency.

2. The date of last payment.

3. The date of charge-off. 



I would appreciate your prompt response and assistance in providing these details. Please feel free to contact me at [ your phone number ] or [ your email address ] if further clarification is needed. 

Thank you for your cooperation. 

Sincerely, [ Your Full Name ]
Product: Credit card or prepaid card

I recently was a victim of having my cell phone number " stolen '' -- someone took my number and then was able to hack into my bank accounts, credit card etc by having verification codes sent to my cell phone number. I am currently trying to close my American Express account because they have used that card to make fraudulent charges but have been unable to do so. American Express is requesting that I send over a copy of my license and a video of my face so that they are able to close my account. I am refusing to do so because now I am worried that I may be hacked again. I was advised that these incidents sometimes are " inside '' jobs so I do not want to send any more personal information. Therefore, I was unable to close my account and I am worried that it will keep getting hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft on my cedit report I called filled a completed with transunion but nothing has been done I trying to repair the damge the theft have done all these inquiry was not done by me XXXX XXXX   XXXX XXXX  XXXX XX/XX/XXXX same inquiry also o n XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX also XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX thank you for your time hope you can help
Product: Credit reporting or other personal consumer reports

I CHECK MY CREDIT REPORT AND I FOUND A INQUIRY THAT I DO NOT AUTHORIZED XXXXXXXX XXXX XXXXXX/XX/year>