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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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 account completely from my Credit Reports : XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Product: Checking or savings account

On XX/XX/2021, XXXX unauthorized transactions of {$29.00} were performed on XXXX. I disputed XXXX transaction of {$29.00} with Chase Bank on XX/XX/2021. However, the bank denied this claim on XX/XX/2021. I was unable to dispute the second transaction of {$29.00} because the bank gave me an error message.
Product: Credit reporting or other personal consumer reports

I've noticed unauthorized inquiries on my credit report that I would like removed. 

Ally Financial Inquiry Date - XX/XX/XXXX The number listed for this inquiry is not in service.
Product: Checking or savings account

Yes I bank with chime. I had a unauthorized payments leading up to {$350.00} dollars and they keep denying with minimum investigation
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am writing to bring to your attention an error in the information contained in my File Disclosure. Upon reviewing the report, I noticed that it incorrectly states that I am in XXXX due to an account with Wells Fargo. However, I have confirmed with Wells Fargo that my account has been closed since 2018 and I do not owe anything on any checking accounts or credit card accounts with them. 

I spoke with a representative from Wells Fargo who advised me that I should not be in XXXX by them as there is no outstanding balance or any issues related to my account with them. Therefore, I kindly request that this inaccurate information be rectified as soon as possible. 

I believe that maintaining accurate and up-to-date information in my file is crucial for my financial well-being, and I would greatly appreciate your prompt attention to this matter. 

Thank you for your cooperation and prompt action in resolving this issue.
Product: Debt collection

Was not notified of any debt owed/associated with Helvey and Associates until it appeared on my credit report. Tried to determine the action and why I was not notified, and the company refused to provide any information or proof that they sent correspondence to me at my residence of XXXX XXXX XXXX XXXX, which I have been at since 2016. Disputed this with XXXX and it was removed however, Helvey and XXXX refuse to remove debt though I am not aware of the debt, this collection company, and was not provided documentation regarding this debt in order to determine if it was correct. 

This company has been known to threaten people, not contact them, and threatened that I would be sued if I did not pay the debt that I was not aware that I had. In addition, I submitted a debt consolidation letter via mail, which I received no response to.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am past due on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This account is currently coded an I5. This incorrect reporting is harming my credit score. Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card or prepaid card

American Express date open XXXX, XXXX charge off {$1600.00} wittten off for {$630.00} as of XX/XX/XXXX by American Express. This account was paid by fraudulent checking account open on my name American Express disregard to help remove from credit profile I would like American Express to file a 1099c to remove this debt thank u
Product: Debt collection

Account Name : SUN LOANS PARTNERSHI ( Original Creditor : SUN LOAN XXXX  ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never paid late in XX/XX/XXXX and XX/XX/XXXX on my XXXX XXXX Account. However there are multiple inaccuracies when I recently checked my credit reports across all three bureaus. On my most recent XXXX credit report, it states that I was late in XX/XX/XXXX and XX/XX/XXXX. It also states my status as current and paid as agreed. It does not state that i was past due nor have I ever paid late on those months. It also states that my most recent payment was XX/XX/XXXX. On my most recent XXXX credit report, it states that I am current but also states that I was late on XX/XX/XXXX and XX/XX/XXXX. Then on my most recent Equifax report, it shows that I was on time in XX/XX/XXXX but 60 days late in XX/XX/XXXX. How can I be 30 days late on two credit reports and current on another credit report. How can I be current on one credit report yet the next month is 60 days late when there is no evidence of being 30 days late. How can I be current and past due on the same report? Please explain to me where you are getting this information from as these are all inaccuracies on my credit file for this XXXX XXXX account. As the credit bureau reporting this information, it is your responsibility to ensure maximum possible accuracy, which you have not. I have a right to fair and accurate credit as protected by the FCRA and you have violated my rights by continuing to report blatant inaccuracies across my credit files.
Product: Debt collection

XX/XX/2021 amount {$170.00}. I contacted the company with a invoice for the violations an cease an desist 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CREDIT BUREAU - My credit file information has not been updated since XXXX 2018. I didn't pay much attention to this when I would pull up on XXXX XXXX. I Thought because of the security breach etc. that it was just on sites like XXXX XXXX. 
Recently i went to apply for a mortgage, and the Equifax Report came back reporting outdated information from XXXX 2018 ; and had my overall credit card debt recorded at over {$4000.00} higher than what it was and compared to what XXXX and XXXX should of been. In addition they had a collections on there, that had been canceled. When I contacted the Company they stated they sent Equifax a letter back in XXXX to delete off my credit. 
I have reached out to Equifax on many occasions even by confirmed priority mail and my account is still not updated. I have called several times and each time i get an inept person telling me ; they can't verify my information and i'm not who i say i am. I have sent copies of my SS Card, Drivers ' License and all correct balances. 

I am so frustrated as this has affected my overall interest rate and mortgage application and they are taking their good old time with no Actions to correct and had. Equifax had not updated any of the information ; therefore making my overall monthly debt to income ratio look bad, as well as my overall score lower than what it update.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Formal Complaint Against Crypto.com for Failure to Honor Contract Terms To Whom It May Concern, I am writing to formally lodge a complaint against Crypto.com regarding their refusal to honor the withdrawal terms specified in my Earn contract, despite multiple attempts to resolve the issue through their customer support channels. 

Summary of the Issue XXXX, I entered into an XXXX  contract with XXXX for their cryptocurrency yield service. According to Section 3.3.4 of the Earn contract terms, I am entitled to request the withdrawal of funds from a Fixed Plan before its expiration. Despite my adherence to this provision and several attempts to request a withdrawal as specified, Crypto.com has denied my request, claiming that the terms do not apply to fixed allocations. 

I have made multiple attempts to clarify this issue with Crypto.coms support team, including a supervisor named XXXX, as documented in attached screenshots. I requested a higher-level escalation and clarification of the withdrawal policy as outlined in the XXXX contract, but my requests were either dismissed or inadequately addressed. As a result, I have been unable to access my funds, which has caused me financial hardship and frustration. 

Attempts to Resolve the Issue I have engaged with Crypto.coms support team through their in-app chat and email channels to request a resolution ( crypto.com has no other communication method to escalate issues and concerns and there is only one supervisor as far as I informed ). Unfortunately, despite these repeated attempts and sharing specific sections of the contract that support my position, the company has refused to allow the withdrawal, citing a restrictive interpretation of the policy that I believe is misleading and potentially unlawful. 

Supporting Documentation I am including the following documents to support my complaint : A copy of the XXXX contract terms and conditions, specifically highlighting Section XXXX on withdrawals. 
Screenshots of my conversations with Crypto.com support representatives, showing my efforts to resolve the matter and their responses. 
Any relevant emails and support tickets submitted to Crypto.com. 

Requested Resolution I am seeking the regulatory authoritys intervention to ensure XXXX  : Honors the terms of the XXXX contract by allowing the withdrawal as outlined in Section XXXX. 
Provides a written explanation of their policy regarding withdrawals and clarifies the interpretation of their contract terms. 
Implements improved customer service and escalation processes to address such complaints adequately in the future. 
Thank you for your attention to this matter. I hope that your office can help enforce consumer protection standards and ensure that Crypto.com complies with their contractual obligations. Please feel free to contact me at XXXX XXXX XXXX XXXX or XXXX should you need additional information. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -i ) promptly delete that item of information trom the tile of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately. 
Accounts XXXX XXXX, Account # XXXX Amount {$2900.00}
Product: Checking or savings account

On XX/XX/year> I noticed my account was put under review for fraud.. They sent me an email until XX/XX/year> saying the following XXXX XXXX, Our security system triggered a review of your account due to your recent account activity. During our review, your Current account will be restricted. It may be necessary for us to request additional information to complete our review, if so, then we will contact you via email. 
We expect the review to be completed in XXXX ( XXXX ) to XXXX ( XXXX ) business days, and will provide an update when our review is complete. 
We thank you for your understanding and cooperation, and we will be in touch soon. 
Best, XXXX XXXX XXXXXXXX XXXX. 
From XX/XX/year> I have emailed multiple times tryna get an update since today XX/XX/XXXX is the XXXX business days that my account was put under review, still no answer and when I call customer service they say to wait another XXXX days for an email back all though they only asked for XXXX business days to begin with. It has been XXXX business days.
Product: Debt collection

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 : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment 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 that 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: Credit reporting or other personal consumer reports

My information was exposed in a data breach with the company Credit Acceptance. Please check FCRA laws 15 U.S.C 1681
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions had caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 {$12000.00}. 
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. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Debt collection

I came back from my foreign service commitment and noticed this collection on my credit report. I am not in the country in the last five years and whatever that was occurred four years ago and i am not aware of any account from this collector or any that would have resulted in this collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma recommended I open a credit card with XXXX with an excellent approval odds approximately XX/XX/2022. I applied online and was not accepted. I called XXXX  and told them what had happened that Credit Karma recommended I apply. Since then I have deleted the Credit Karma app.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/2023 XXXXXXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported on my XXXX XXXX XXXX. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with capital one for not removing my capital one account as late when the account is closed and is past the statue of limitations but XXXX has also reported the capital one auto finance account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed capital one auto finance and XXXX XXXX with XXXX for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car
Product: Credit reporting or other personal consumer reports

Subject : Notice Of Dispute - XXXX  XXXX To Whom it May Concern, I am writing to express my significant dissatisfaction and concern regarding the handling of the reporting of the account XXXX XXXXXXXX on my credit report. It has recently come to my attention that there are multiple clear violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. As such, I am requesting immediate action to address and rectify these issues. 

I hereby formally request a comprehensive debt validation, which should encompass the following details : Original Contract : I demand a complete copy of the original contract between the purported creditor and myself regarding the account XXXX  XXXX. 
XXXX XXXX : Please clearly identify the name and contact information of the original creditor linked to this account. 
Original Open Date : Provide the precise date when the account XXXX XXXX was initially established. 
Date of Last Payment : Specify the exact date of the most recent payment made concerning this account. 
Date Account Was Closed : Indicate the official closure date of the account XXXX XXXX. 
I am fully aware of my rights under the FCRA, and it is evident that your company has failed to fulfill its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to address these discrepancies. 

Failure to comply with this request within 15 days from the date of this correspondence will leave me with no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter as a formal notice of my intent to proceed accordingly.
Product: Student loan

I 've asked for student loan forbearance to help with my current financial situation. I was denied numerous times. I was given no choice but to pay them.