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

Ive sent in more than 2 times. I have reached out to the the cfpb twice to rectify the problem and help with a solution. Please if possible to get this faulty information off my credit report. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found items that were deleted off my accounts reinserted. 15 U.S. Code 1681i ( c ), credit reporting agencies are prohibited from reinserting information that was previously removed due to a dispute unless the information is proven to be accurate. Additionally, the furnisher of Information is required under 15 U.S. Code 1681s-2 to ensure that all information reported to the CRA is accurate and complete.The information has been reinserted in error, I respectfully request that it be removed once again.

Please provide the following : A detailed explanation of the reinsertion of this information, including the name of the furnisher. 
Proof that the information has been verified as accurate. 
In accordance with the law, I expect this issue to be investigated and resolved within the 30-day period stipulated under the FCRA. If the information is found to be inaccurate or unverifiable, I request that it be permanently removed from my credit report.

Please notify me in writing within 5 business days if this information is reinserted or if there is any further action needed on my part. I also request that a copy of my updated credit report be provided to me once the dispute is resolved. 
Thank you for your prompt attention to this matter. 
TransUnion accounts : Account : XXXX, Date opened : XX/XX/2021. Account : XXXX XXXXXXXX. 
XXXX Accounts : Account : XXXX BANK, Date opened : XX/XX/2021. Account : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX opened : XXXX XXXX, 2021. Account : XXXXXXXX XXXX, Date opened : XX/XX/2021. Account : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Date opened : XX/XX/2021. 
XXXX Accounts : Account : XXXXXXXX XXXX, Date opened : XX/XX/2021. Account : XXXX  XXXX, Date opened : XXXX XXXX, 2021. Account : XXXXXXXX XXXX  XXXX, Date opened : XX/XX/2021. Account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX opened : XX/XX/2021.
Product: Debt collection

I visited XXXX XXXX  XXXX XXXX approximately three years ago with high hopes of being represented for modeling gigs and movie roles. They made enticing promises of providing edited photos and a personal website to boost my career. However, after making the payment, the reality was starkly different. The photos they provided were subpar, the editing was non-existent, and the support they promised was non-responsive. Their communication was lacking, and they even resorted to sending paid links for me to create my own profiles and market myself. 

Despite expressing my dissatisfaction with the services rendered, XXXX XXXXXXXX XXXX XXXX made no effort to rectify the situation or uphold their end of the bargain. When I reached out to XXXX regarding the charge and the issues I faced, they investigated and confirmed that my concerns were valid, leading to a reversal of the charges. 

To my dismay, I recently discovered that XXXX XXXX  XXXX XXXX has a history of deceptive practices and has rebranded itself after being exposed in a show. They have now resorted to filing a debt collection notice against me, demanding an unjustified sum of {$3000.00} without providing any supporting information. The debt collection was filed at the end of XX/XX/XXXX, when the company was known as XXXX. 

Furthermore, I made multiple attempts to contact XXXX between XX/XX/XXXX and XX/XX/XXXX, emphasizing the dissatisfaction with the photos provided, which were not what I had requested and remained unedited. Despite reaching out three times, I received no assistance or response from XXXX regarding the lack of services they had promised. 

On XX/XX/XXXX, I contacted Monterey Financial Services about the lack of response and the results from the investigation, but they also failed to respond. I have retained all correspondence related to these interactions. 

It is evident that this company preys on individuals aspiring to build their careers, exploiting their dreams for financial gain. The deceitful actions of XXXX XXXX XXXX XXXX not only harm individuals like myself but also tarnish the integrity of the industry. It is imperative to hold such fraudulent entities accountable for their actions and seek justice for those who have been taken advantage of in pursuit of their ambitions.
Product: Debt collection

XX/XX/2024 Representative continied to call me ma'am, even after XXXX attempts to be called sir, I'm a guy. Also, rep refused to let me speak without iintrrupting me. I tried to let him know we paid the debt XX/XX/2024
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX living breath XXXX born in the united state there fore I am afforded all of the rights put in place by our governmrnt and gaurenteed by my citizenship This Complaint is NOT A DUPLICATE I repeat THIS COMPLAINT IS NOT A DUPLICATE.In order for a complaint to br duplicated there would have to have been a finding of frivalousor a proper investigation would have had to be don for wich neither has taken place .It is my legal right to ask for evidence used against me wich i have done so on numerous occasions, but my request for evidence has been repeadetly ignored wich is a violation of my rights by XXXX XXXX  and the credit bureas Experian. 
XXXX**My credit report shows 2 late payments more than days late ****MY COMPLAINT IS THE DATA FURNISHER IS REQUIRED BY LAW TO PROVIDE ME EVIDECE OF AN INVESTIGATION AND IF THE CFPB WILL LOOK BACK THE WILL FINT THATS I HAVE BUT NOTHING HAS EVER BEEN FROVIDED IF THE CFPB LOOKS BACK I HAVE ASKED FOR EITHER THE APPLICATION WHERE I APPLIED TO BE JOINT ON THIS ACCOUNT OR AUDIO WHERE I VOCALLY REQUESTED TO BE JOINT, AND HAVE NEVER BEEN PROVIDED XXXX WAS ASKED VIA A VOICE MAIL MBY A MEMBER OF XXXX SUPPORT TO CALL THEM I DID SO XXXX 3 SEPERATE OCCASIONS AND LEFT VOICEMAILS BUT NO FURTHER CORRISPONDANCE CAME FROM MY ACTIONS cfpb I AM AWARE OF MY RIGHTS AND THER HAS BEEN CLEAR UNDEBATABLE VIOLATIONS MADE TO MY RIGHTS BY XXXX. 
CFPB ALLOWING THIS FILE TO REMAIN ON MY CREDIT REPORT FURTHER VIOLATES MY RIGHTS, AS I WAS EXHAUSTED ALL TIME AND ACTION REQUIREMENTS ASKED OF MYSELF THE CONSUMER TO BE IN THE CLEAR TO REQUEST THE REMOVAL. i ASK THAT YOU ASK THEM TO REMOVE THIS FILE IMMEDIATLY AND I WOULD BE MUCH ABLIDGED IF YOU WOULD SEE FIT T GRANT MYSELF THE CONSUMER A MONATARY PAYMENT PER VIOLATION AS STATED IN THE FCRA BEING THE ELONGATED DAMAGE AND REJECTION THIS FILE ALONE HAS COST ME .THANK YOU IN ADVANCE SO JUST SO WE ARE ALL OF THE SAME PAGE cFPB A FAIR RESALOUTION IS THAT XXXX EITHER PRODUCE A COPY OF MY APPLICATIN FOR JOINT ( THEY ( CREDITORS ) DO NOT JUST GO AND MAKE RANDOM OR EVEN REQUESTED PEOPLE JOINT MEMBERSHIP TO AN ACCOUNT FITH OUT FIRST APPLYING. THEY EITHER PRODUCE A COPY OF MY APP WITH MY SIGNATURE OR AUDIO OF ME VERBALLY APPLYING OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT PER MY RIGHTS GRANTED IN THE FCRA
Product: Debt collection

I sent out a letter to the collection agency. Paid for a Return Receipt because I want to track if it was delivered or not as proof. The address on their website is incorrect. Every time I mailed them it returns. Then I took it to CFPB and this is my 4th time submitting a case asking them to validate the debt. They reply back with a one-sentence saying they have proof then they close the case without validating the debt. In the last response, they gave me a number to contact them. I've been trying to contact them for over a year. I'm looking to hire an attorney to communicate with them at this point because the fact that Rent Collection Agency is not giving me the right to dispute, or not communicate with me before they accessed my consumer credit report is against the consumer protection laws.
Product: Credit reporting or other personal consumer reports

XXXX Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX To Whom It May Concern, I received a copy of my XXXX record and I have found several inaccuracies in the report. 
Inaccurate Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, is not mine and i was never associated with this address. 
Inaccurate Reported OVERDRAFT from SUNTRUST BANK ; XXXX XXXX XXXX, XXXX, VA XXXX, is not mine and i was never associated with this bank account. 
Inaccurate Reported XXXX : XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone Number : XXXX On Behalf Of : XXXXXXXX XXXX  In detail, you recorded that I had non-sufficient funds with SUNTRUST BANK on or around XX/XX/year>. I am disputing this record because I believe it to be inaccurate because I am a victim of identity theft. Please request evidence of this unresolved outstanding negative record from SUNTRUST BANK and investigate this item for me. 
I understand that your repository is required by law to begin an investigation for me because you are a credit-reporting agency and must follow the Fair Credit Reporting Act. I await your results. 
Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX ss # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked transuion numerous times to remove XXXX XXXX XXXX Im not aware of it Ive spoke to them and They said I had to report it Ive spoke to XXXX and they saying the same thing its a car on my report I have no clue about I just graduated college and my school loans should be the only thing on my report
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQURIES : XXXX XX/XX/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 XXXXXXXX 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
Product: Debt collection

My X wife who divorced me in XXXX must have opened this account without my knowledge or consent. I have informed the utility and the agency, Trans World. to cease and desist from all collection activity and provided proof with my Government Issued ID 's showing I have been a full time contractor in the XXXX XXXX since XXXX. I have not lived in the US and I never authorized the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX XXXX XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Reason : This inquiry was not authorized Credit Inquiry from XXXX - XXXX XXXX, Inquiry Info : HARD Inquiry : XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date 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

On XXXXXXXX XXXX XXXX Equifax verified and validated this account XXXX XXXX XXXX after reinvestigation. XXXX failed to provide me with documentation of investigation and whom they investigated it with so I can follow up. Which violates XXXX XXXX XXXX XXXX, and XXXX I. This account was sold off which it is not reported, this account is over XXXX years old and this account states XXXX  every month which manipulates the age of the accout. Furthermore This account after reinvestigation is still reporting inaccuracies which I provided proof of these inaccuracies. XXXX title XXXX XXXX states if information is not reported accurately it must be deleted. There willfully non compliance to the codes warrants removal of this account. It is manipulated the credit score process which is denying me access to credit XXXX had more than enough time to correct this which they failed to do so violating my consumer rights. I am providing proof XXXX and XXXX removed already to insure complete accuracy Equifax must do the same
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year>, " XXXX XXXX services '' pulled my credit via XXXX and XX/XX/year>, XXXX XXXX XXXX XXXX pulled my credit as well via Equifax. These are both either fraudulent, but more-so unauthorized.
Product: Prepaid card

I won my appeal recently so my Bank of America card isn't working g so I contact Bank of America, the lady I spoke to told me that my account was closed with them that I should contact XXXX, I contact XXXX and they told me the problem is with BOA, i keep going in circle with XXXX and BOA, I need your help regarding this as I'm about to be homeless.
Product: Mortgage

I have described this problem in detail in the pdf file I have attached to this complaint. In summary, Wells Fargo is denying me access to credit. I believe it is trying to steer my mortgage into foreclosure. 

In the process of filing this complaint I realize that I have listed my loan number as my account number in the attached documentation. May this serve as a correction.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

On XX/XX/2021 I received a letter from Convergent Outsourcing Inc . This letter stated that I owed a debt of XXXX to XXXX XXXX XXXX. I knew this was not my debt, as I have never had a XXXX XXXX account. I wrote to Convergent Outsourcing Inc. two weeks after receiving the letter informing them this was not my debt. They then responded that they had verified this was my debt, and attached the relevant contract. However, the contract they attached says the account holder is XXXX XXXX, and is clearly signed by one XXXX XXXX XXXX. My name is XXXX XXXX XXXX. XXXX XXXX was my father, who died over three years ago. I do not know how my name became associated with his account, but this is not my debt.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX Balance {$6600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$280.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$650.00} Open Date XX/XX/XXXX Inquiries XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX )
Product: Credit card

I received a preapproved credit card application in the mail from Discover Card. I am currently attempting to rebuild my credit at this time. I filled out the application and awaited a response from Discover Card. I received a denial letter in the mail today, they discover card cited collection. Charge off or judgment for reasons of denial.
Product: Checking or savings account

On XX/XX/XXXX I deposited 2 checks in my Huntington account from my grandma! They put my account and both checks on hold for review! They then said 2 weeks later that they needed verification from the issuing bank ( fifth third ) and they would be released! I then drove the 40 minutes to the issuing bank and got the verification from the branch manager/vice president validating the checks to me and for the amount and that the funds have taken out of my grandmas account! I brought it back to Huntington! I waited couple business days didnt hear anything back from Huntington so I called the customer service and was told that now that wouldnt work. They wouldnt give me any information on MY account to why this was happening, what I could do, how long it would take, nothing!! The branch manager from fifth third has also tried reaching out to see whats going on cause they are confused to why this is happening! So then on XX/XX/XXXX I called in to get an update and they said they closed my account and sent the money back! No notification about them closing it or why and will still not tell me why! So my grandma and I have been checking her account waiting for it to come back! Here we are on XX/XX/XXXX ( a month later ) and still no money. I called into Huntington customer service to see what was the hold up, they then said they sent a request ( not sure as to what request, again they wont give me any info ) to send the funds back, and that the funds were sent back on the XXXX. Every time I have reached out to Huntington their story or explanation changes! Then I reached out to fifth third and they said the funds should have been almost immediate, they reached out to a Huntington branch and was told now that it was a check but wont say who the check is being mailed to. This has been a nightmare, this was my kids XXXX money and also just bought a house and was my money to make it move in ready for us! Im at my end, Ive tried everything possible, Im waiting for my lawyer to call me back on next steps! I just dont want to take it that far just send my money back to my grandma so we can move on!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reoccurring criminal charge in violation of section 605 ( a ) ( 5 ) makes clear, each adverse item of information is subject to its own seven-year reporting period, the timing of which depends on the date of the adverse item itself.
Product: Money transfer, virtual currency, or money service

I have been told by a man I met on social media for 6 months that he can teach me how to invest into cryptocurrency. So I opened an account on Coinbase on the XXXX XX/XX/XXXX under his guidance, and directly deposit {$1000.00} and wire transferred {$5000.00} US dollars through my bank account into Coinbase, then immediately purchased XXXX  and transferred all of them out right away to an cryptocurrency website account that the man told me about for investment. And later on with the same tricks, he soon induced me to wire transferred another {$25000.00} US dollars to Coinbase and purchased XXXX, and again, I immediately transferred all of them out on XXXX XX/XX/XXXX. With the same way for a third time, I transferred another {$16000.00} US dollars of XXXX to the defraud account through Coinbase on the XXXX XX/XX/XXXX. I have made XXXX wire transfer and XXXX direct deposit to Coinbase for a total of {$47000.00} US dollars! And immediately purchased and transferred all of my XXXX  through Coinbase to the scammer 's website account. After a couple weeks, I decided to withdraw all my money out including the profit I earned from trading cryptocurrency which was nearly {$98000.00} in total, under the man 's guidance. But the fraud website customer services told me that I have to pre-paid over {$21000.00} tax in order to withdraw my money out. I then realized that I got scammed. I reported this to the police immediately on XXXX XXXX and called Coinbase customer service for help and they told me that cryptocurrency transactions are irreversible. But I know Coinbase, as one of the biggest cryptocurrency trading platform, has the responsibility to alert and monitoring large transactions in a new account over a very short period of time. I have never traded cryptocurrency in my life before and all of this had happened within the last half months. And with my newly opened account, I have never received any alert or warning about my transactions to the fraud account. True, I am too stupid to believe a stranger that could teach me how to make money. But I am also a XXXX XXXX XXXX XXXX XXXX XXXX and a single mom. I need that money in order to survive! That was all my savings from the past 8 years, and I also had to borrow some from my friends. I am desperately hoping that Coinbase could help and refund my money back. But after several time of calling and file complaints, they refused to do anything and closed my case. They also block my account from trading cryptocurrency after I told them what happened to me!
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/2023 - BALANCE {$16000.00}
Product: Credit card or prepaid card

My discover card was lost/stolen in XX/XX/2020 sometime because it was used in my area so I believe it was lost in my area. I reported it to Discover in XX/XX/2020. They claim they tried to notify me by email but I dont access my email a lot. They denied my fraud case because they said previous fraud claim and was used locally and their were returns made on the account also and not usual for someone when they use a lost/stolen card. Said some of the merchants were merchants I used before. I should not be liable for unauthorized charges. If I lost it in my area then someone in the area found it and used it in my area and the returns maybe they wanted to get cash back but could not. As for the other fraud cases, well I am not responsible maybe and sorry if I lost my card before but I am still not liable for unauthorized charges.