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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1987 I am writing to dispute the negative items on my credit report associated with my account with your company. The late payment and charge off reports have significantly impacted my credit score, and I believe that the information is not accurate. 

XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX Late Payment AccounXXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX XXXX Charge off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX I XXXX Collection Account. 



I would like to request that you provide me with proof that the reported information is accurate, complete, and up-to-date, as required by law. I also request that you investigate this matter and correct any inaccuracies on my credit report. 



As per the Fair Credit Reporting Act, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am also entitled to receive a free copy of my credit report once a year from each of the three credit bureaus, which I have already done. 



I am requesting that you remove the negative items from my credit report, as they are harming my credit score and making it difficult for me to obtain credit in the future. Please be aware that failure to comply with this request may result in legal action. 



Thank you for your attention to this matter. I look forward to hearing from you soon. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am once again filing a complaint against Experian. 
For several months, I have been trying to have incorrect information removed from my personal file, specifically the account XXXX XXXX XXXX XXXX XXXX. 
Experians investigation process is completely one-sided, as they never provide evidence of the information that consumers request from them.

For this reason, I am including with this complaint the arguments supporting the Consumer Financial Protection Bureaus lawsuit against Experian.

These are the same points I have raised repeatedly in every complaint, and they continue to ignore them.

" Conducting sham investigations that fail to properly address consumer disputes : '' When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.

'' Improperly reinserting inaccurate information on consumer reports '' : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for their failure to conduct proper investigations into errors on my consumer credit report. Despite providing Experian with identity theft affidavits, fraudulent charges and loans continue to reappear on my credit report, causing significant harm to my financial well-being. I have reported this identity theft to the appropriate authorities, placed a fraud alert on my credit reports, and made repeated attempts to resolve these issues directly with both the creditors and Experian. Yet, Experian persists in reporting these erroneous items, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ) XXXXhis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. & 168c-2 ) that you, The Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am writing to file a complaint against Experian for their continued reporting of fraudulent charges and loans on my credit report, despite being provided with identity theft affidavits. Creditors : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, were all removed from my report and then less than a month later, all were placed back on my report. I did not authorize these charge accounts or loans, nor did I receive any benefit from it. As a victim of identity theft, I have reported this crime to the appropriate authorities and placed a fraud alert on my credit reports. Actions Taken : I Provided identity theft affidavit to the cfpb and requested removal of fraudulent accounts. Despite my repeated attempts to resolve these issues directly with the creditors and credit bureau Experian, they continue to report these erroneous items to Experian, causing significant harm to my credit score and financial well-being. I am writing to file a formal complaint because despite providing you with an identity theft affidavit, They continue to assert that I received or used the credit card to purchase goods. I reiterate that I did not authorize these transactions, nor did I receive any goods or services from them. As a victim of identity theft, I have taken all necessary steps to report this crime, including filing a police report and placing a fraud alert on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXI-Date of inquiry XX/XX/XXXX XXXXL-Date of inquiry XX/XX/XXXX XXXX FI-Date of inquiry XX/XX/XXXX CXXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I called XXXX  XX/XX/year> to start my credit protection that I've paid on.in a previous recorded call they told me i could start a active claim in XXXX. They said i couldnt because my account is closed which is a lie my account is open, and i have a attachment from XX/XX/year> email that shows my account is past due no way a closed account could be past due... .they need to start my claim asap to this month. per the fair credit protection act accurate Info should be reported and its not therefore ant fees accrued need to be retracted
Product: Credit card

On XXXX XXXX, 2016 I presented my Citi XXXX card to XXXX to pay for the XXXX dollar ( {$90.00} ) for my safety deposit box. Unknown to me the teller coded the XXXX dollar charge as a " cash advance '' on my credit card instead of the anticipated normal credit card charge. Although I pay my credit card charges in full every month, Citi assessed a XXXX dollar ( {$5.00} ) fee for the cash advance and also charged XXXX XXXX cents ( {$0.00} ) interest on the cash advance on the statement with period ending XXXX/XXXX/2016. And on my subsequent statement for the period ending XXXX/XXXX/2016 a interest charge of XXXX cents ( {$0.00} ) was shown for the XXXX dollar " cash advance '' of XXXX/XXXX/2016 even though the cash advance had already been repaid. Today via a telephone call to customer service for Citi at XXXX I was told by the Citi representative named " XXXX '' that Citi will not provide the calculation of the XXXX XXXX cents and XXXX cents for interest. It appears that Citi intends to continue to charge me interest forever for the original cash advance as well as interest on the interest forever even though the cash advance has been repaid. This is crooked and criminal. What is the CFPB going to do about it?
Product: Credit reporting or other personal consumer reports

XX/XX/year> To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
Account : XXXX Account # : XXXX Account : XXXX XXXX  Account # : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX **Attached a copy of drivers XXXX and a utility XXXX XXXX
Product: Checking or savings account

A check was deposited, and I have proof that the check is cleared the other bank, but the bank is still holding the check for 10 days. At least they said. The representative advised the money had to walk through the system. The previous representative advised me that the check had not cleared. Misinformation or disinformation given by these representatives and the holding of these funds that are already in Chases accounts, is on its face simply theft until I have the funds. This is a significant amount of money that processed through another another bank, and should be released immediately. There is precedence with Chase Bank of them, releasing funds in the past to me in similar situations. This inconsistent behavior is not fair to the consumer, and should be corrected and possibly penalized.
Product: Debt collection

On XXXX XXXX 2019 an aggressive XXXX XXXX called from ADR ( XXXX ) XXXX threatening to come to my house ( left my address on the voicemail ) to serve legal paperwork & claimed she'd be on the look out for my car ( left the last 4 of the vin on the voicemail ) if I didn't make myself available. When I called a rude XXXX explained the call was about a XXXX XXXX credit card that was discharged in a 7 yr old bankruptcy. She claimed the creditor had filed a new appeal & was now taking legal action against me. I told her I would call my attorney & I provided them the voicemail recording.
Product: Debt collection

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case NATIONAL CREDIT SYSTEM is attempting to collect as XXXX XXXXXXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
Product: Mortgage

Mortgage loan number XXXX Chase Mortgage originally offered lower rate through HARP in XXXX 2014. Lack of communication resulted in me missing the deadline for submitting insurance documents and I was informed the HARP was no longer available but could reapply for another program. I twice inquired about why I was not notified about the missing document but have only gotten conflicting information. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$4500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.
Product: Credit card or prepaid card

XXXX card stolen at XXXX after being approached by two men in XX/XX/XXXX along with social security card, license, and other debit cards. Police report filed at XXXX. I was in the middle of a chapter XXXX bankruptcy that was discharged XX/XX/XXXX. I was paying my monthly payments and even the company knew card was stolen they still didn't close account. I moved XX/XX/XXXX from residence that was like a month or so later and my mail was still not forwarded to new address. So I wasn't aware the company was sending statements. The credit limit was XXXX dollars but Midland Funding who purchased my debt took a litigation on me and I was sick with a XXXX son and was sick myself so I couldn't attend court with XXXX XXXX so I came in as court said to submit written documentation to reschedule/and or let court aware of situation and I did but still had a judgement against me. Midland Funding has not one accurate payment associate to my account nor information and from XX/XX/XXXX-to XX/XX/XXXX this debt was sold by the credit card company without no payment histories, no accuracies. Under Legal Proceedings of XX/XX/XXXX XXXX XXXX  states that Midland have filed charged off debts, and other debt buyers, from original creditors that not only reached it's statutes of limitations but also, filing these lawsuits against consumers have violated section 1032 ( a ) 1036 ( a ) 1 of the consumer protection Act of 2010. Section 805,806,807 : The fair debt Collection Practice Act. USC. 1692 ( a ) ( c ) ( d ) ( e ) ,163, fair reporting Act and also section 1053, and 1059of CFPA12 USC 267 ( a ) ( b ) the Bureaus issues the consent order. Please delete this company XXXX XXXX, Midland Funding LLC, Midland Credit Management off of XXXX, and XXXX and XXXX credit reports. They are harassing me and I am receiving SSI for my XXXX son and can't pay on a closed account with an {$740.00} balance because I disputes the {$640.00} and recently company charged {$100.00} more. This account was opened in XX/XX/XXXX,. Or XX/XX/XXXX I have emails of stolen cc and the verifiable date and this company doesn't have validation if it's not the original creditors nor accurate info.
Product: Money transfer, virtual currency, or money service

YOUR COMPLAINT On XX/XX/2018 I withdrew USDT from my XXXX account and transferred it to Coinbase. I should have changed the coins back to XXXX before transferring, I know it was my mistake. It was {$9200.00}. I contacted XXXX and they said there was nothing they can do because the funds left there and went to a coinbase address. I contacted coinbase and here is the response I got back from them. Good day! Thanks for hanging in there while we investigated this case. Prior support personnel were correct in their assessment. Under no circumstances is anyone encouraged or allowed to send digital currency that is not accepted by Coinbase, as these funds will be not be capable of being retrieved. For more info feel free to peruse here. XXXX XXXX XXXX XXXX My apologies that there isnt more we can do. Have a great day, and thanks for using Coinbase! XXXX Coinbase Support I contacted USDT XXXX ( the coins I sent ) and they said they would work with Coinbase on retrieving the funds. This is the response I got from tether who said they would help, but coinbase still refused to pull back the funds. Dear Coinbase support, I have unfortunately accidentally transferred XXXX  USD to my Coinbase address XXXX   Unfortunately while you may not directly support these funds they are still now owned/controlled by this address you control. The XXXX team is more than willing to work with you on the recovery process if you will work with them. Can you please reach out to their representative at XXXXto for additional information on how to recover and return the funds.

OnXX/XX/2018 at XXXX   PDT XXXX <XXXX> wrote : I sent USDT from XXXX to Coinbase by accident. How do i get my money back to XXXX? address : XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all 3 bureaus and still I have these unrecognized items on my account. No documentation has been received and additionally they are reporting completely different things within date last active, last reported, date opened, and high credit amount. This is nearly half of the items being reports. Please delete these items. 

XXXX : Account number : XXXX, XXXX reported dates should be the same per bureau. XXXX is showing a Last Reported date of XX/XX/2022, XXXX showing XX/XX/2022, and Equifax is showing XX/XX/2022. Moreover there are discrepancies with Date Last active where all dates are inconsistent. Date Opened is different between XXXX and Equifax / XXXX. High Credit Amount is different between Equifax and XXXX / XXXX. Due to me not recognizing this account and not having any documentation with the account, please delete this account. 

XXXX XXXXXXXX : Account number : XXXX, Each bureau is showing a different Date last active. Date Last Active is showing XX/XX/2022 for XXXX, XXXX is showing XX/XX/2022, and Equifax is showing XX/XX/2022. These are all in complete different months. Lastly, there are discrepancies with Date Opened, and Date of Last Payment. All of these items should be the same, please delete this or fix it and show me documentation that this account exists.
Product: Debt collection

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear CEO of XXXX XXXX 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 XXXX 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: Debt collection

LVNV Funding Breaking the law LVNV Funding sued me for a debt that I had requested more than 5 times for them to confirm that this debt was mine, I sent my letters certified. They never responded and then would just sell the debt to their other companies names, XXXX was called Resurgent Capital Services. I actually sent them verification/ validation letters as well. And again they never validated the debt. 

Even when they served the paperwork at my sons house by putting the paperwork on the front door, the information on that is wrong as well, They have an address that is more than XXXX XXXX XXXX with the current charges before being charged off. How do I know that that this is my account, nothing seems right. They actually fraudulently changed the address on the paperwork, it is incorrect and all invoices are mailed to me. 

Lvnv funding breaking the law Examples of false or deceptive statements XXXX XXXX are not allowed to falsely claim or imply that : Documents that they send you are legal documents if they arent- lvnv funding falsified documents and left on my sons front door, I have never lived at that address. I hired an attorney who did not do their job. I told them LVNV never verified.

Also the person that LNVN hired would call and say they have a gift for me. Yea right.
Product: Checking or savings account

My name is XXXX XXXX and I am going through the process dealing with Simple Banking. It is a online way of banking. I completed a online mobile check deposit and I was told that I had a 5 day hold after I made deposit. After several days I contacted the payee who informed me that the check had cleared on their account and money had been removed from their account. I then called Simple back to see why I didn't have access to my cash, only to be told that it was still being held. For what reason, I still don't understand or not was a explanation given. When I asked for a manager, I was told that there were none. I have no clue how this is allowed.