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

I have attempted to resolve this reporting issues multiple times using online reporting via the credit bureaus websites which includes XXXX, Equifax and XXXX as well as writing letters to companies for resolution. 
The credit bureaus just comeback within a few days as verified without research without looking at provided documentation. 

XXXX XXXXXXXX : Opened XX/XX/XXXX Settled on XX/XX/XXXX In my negotiation with the XXXX XXXX representative, we agreed on the settlement amount with the understanding within 30 day it will deleted from my credit report. Documentation will be provided. 

XXXX XXXX : Opened XX/XX/XXXX Charged Off for Bankruptcy on XX/XX/XXXX This account was apartment of my bankruptcy is still shows in negative standing evening though I carry a Bankruptcy on my credit report and all the other account turned positive or deleted complete. In speaking with Colorado Bankruptcy Court, I was informed that that I am being penalized twice with this account being shown in a negative status and with Bankruptcy. 

XXXX XXXX XXXX XX/XX/XXXX This account was paid directly to the XXXX, but it still shows on my credit report, they are unwilling to delete even thought the primary creditor took payment and said that the collection action will be cancelled.
Product: Credit reporting or other personal consumer reports

my information with Equifax has been breached. Here is the proof and they refuse to delete these accounts, no matter how many times i have sent evidence, off my credit report. Here all the accounts names and numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX delete this immediately from my credit reports as i am a victim of the equifax beach Also when i call Equifax they are saying my file has a block and to send supporting documents to unblock the file. Supporting documents have been sent every month for the past three years and yet i am still unable to access my reports. I would like to be compensated {$3000.00} for violations of FCRA, postage and gas spent for the last 3 years, defamation, and embarrassment.
Product: Debt collection

I spoke with Equifax and XXXX on XX/XX/year>. The representative ensures me that they removed the verbiage from my credit report. I applied for mortgage loan on XX/XX/year>, and the verbiage is still on my report. 

The account is XXXX XXXX account ( Account Number : XXXX  ). The account has been paid in full, and is in good standing, yet it is incorrectly reported as consumers request and consumer disputes after resolution. This reporting is inaccurate and is negatively impacting my credit score and ability to obtain a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Going over my credit report, I have found it contains many errors. I request your investigation of the following " personal information ''. For the record : 1. My name is XXXX XXXX XXXX. Please remove all other name variations IMMEDIATELY they are not accurate! 
2. My current address is : XXXX XXXX XXXX, XXXX, FL XXXX Please remove all other addresses IMMEDIATELY they are not accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. In compliance to 15 U.S. Code 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Prior investigation In related to today 's complaint Which was submitted XXXX In my previous complaint I requested that the following be removed from my credit profile i requested closed accounts to be removed Account name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX date opened XX/XX/XXXX XX/XX/XXXX openedXX/XX/XXXX XX/XX/XXXXopened XX/XX/XXXX XX/XX/XXXXDate opened XX/XX/XXXXXX/XX/XXXX These accounts are showing late payments which are actually illegal i don't understand why you were reporting these late payments they have not contacted me back when I wrote you guys in a letter explain them to you that I was never late on any payments.. 
The only way a corporation can possibly report a payment as late falls under 15 U.S. Code 1666b - Timing of payments. The FCRA 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n and Timing of payments 15 USC 1666b , Consumer request the Deletion of all transactions listed as late on their consumer reports. I have given you more than 30 days to rectify the situation and fix an update your systems to reflect 100 % accurate information You have failed to do so you have failed to write me back within the time. And I will be seeking professional representation the small claims court if the matter is not solved today
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal dispute regarding inaccurate information on my credit report, which was obtained from Equifax. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect information on my credit report, and to this date, they have not responded. Please find below the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  High Credit : {$560.00} Correction : Please correct/update this inaccurate information on my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Correction : Please remove it from my credit report. 

I require that you verify the account identified as XXXX XXXX : Date Opened : XX/XX/XXXXXXXX  Balance : {$25.00} Correction : The reported balance of {$25.00} is inaccurate. I believe it should be a lower amount. Furthermore, the Past Due amount should not be presented as this account is closed and charged-off. Please mark this account as disputed while I resolve my dispute with the creditor. I also request verification of the Date Opened, Date of Status, and First Reported. 

The following account is not mine : Creditor : COLLECTION Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$8300.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$740.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$340.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1900.00} Correction : Please remove it from my credit report. 

The following account is not mine : Creditor : XXXX XXXXL Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$1700.00} Correction : Please remove it from my credit report.
Product: Prepaid card

Mastercard will not allow me to make purchases with the prepaid giftcard I have, either through XXXX XXXX XXXXXXXX. They simply decline the transaction and do not offer a way to allow the transaction on their website. Essentially, they are holding money hostage from me and not allowing me to spend it. I have tried multiple merchants already, but they will not authorize any transactions.
Product: Credit card

On or about XX/XX/year> I received a text showing I had made a {$180.00} transaction at XXXX. Only problem was I did not make that transaction. Thus I shutdown my card immediately and reported the fraud to Capitol One. The agent I talked to stated there would be an investigation and I would be notified if the fraud was valid or not. XX/XX/XXXX I received the decision letter and it stated the transaction was not fraudulent. The letter stated I benefitted from this transaction that I did not make. The letter is attached. I gave them my XXXX order history that shows I did not make this order. After submitting evidence I did not make this order they did not change their decision. I was charged for the {$180.00} for an order I did not place.
Product: Debt collection

the company reported on my credit report as a debt i do not owe or never had an account with or business with
Product: Money transfer, virtual currency, or money service

I generated a wallet ID and sent it over to my brother to transfer some XXXX. I never received money, even though the transaction was completed on my brother 's side. I reached out multiple times to the company and received no feedback.
Product: Mortgage

Made an ACH payment. The mortgage bank lost the payment and charged me an XXXX dollar late fee
Product: Credit card or prepaid card

Tuesday, XX/XX/2019, my Direct Express card was stolen. I immediately began contacting Direct Express but to no avail. Even today, XX/XX/2019, all I get is a robot on the phone numbers to Direct Express. The robot keeps asking for information that was on my card that was stolen and I do not have it. So, I can not move forward to have the card cancelled. My benefits are loaded onto my card at the first of each month, and I am trying to prevent further theft of my funds.
Product: Checking or savings account

Hello I Have Issued XXXX Check From My Bank Account In Citibank And I Want To Know Status Of This Cheque I Attached All XXXX Cheque and I Want To Know is Cashed Or No
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you because I got a credit report notification that they are accounts that were added to my Transunion report. Since no organization has contacted me in regards to these accounts, TransUnion is listing erroneous and fraudulent information on my credit report. Be advised that this is not a refusal to pay a debt, but a notice was not sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) hence the debt claims are disputed as validation was never sent to me. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligations to pay these accounts : 1. XXXX XXXX XXXX claims {$7500.00}, and the account is unknown and was not validated 2. XXXX XXXX claims {$820.00} account is unknown, and was not validated Please provide me with the following as a result of Transunions investigation in this matter : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed including MY SIGNATURE to pay what you say I owe you ; Provide a verification or copy of any judgment if applicable OR As according to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals whom you have contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. As you know consumers credit reports must be 100 % accurate, my credit report is not and TransUnion is purposely violating the FCRA. Please make them remove the fraudulent and erroneous listed above off my credit report or provide the validation completely as requested.
Product: Debt or credit management

XXXX XXXX XXXX charged me upfront fees to fix my credit in XXXX and my credit was never fixed.
Product: Checking or savings account

The company is denying my claims and wants me to review years of statements dating as far back as iof XXXX to check for fraudulent activity. When I find activity they deny claims and now claiming they have no record of me being part of the breach when Wells Fargo themselves sent me {$60.00} which I deposited in their account they are doing all this to not pay me they dont even want to review my account
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Fraud Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam of CFPB Complaint/Dispute Department XXXX XXXX would like to draw your attention to the complaint letter of XXXX XXXX XXXX XXXX 
- I had sent it for your attention, in which I clearly stated how I was affected personally, psychologically and financially by the multilayered XXXX hijacking operation orchestrated by a sophisticated con artist purportedly disguised as my own daughter on XXXX ( the Scammer ), which involved me making deposits for a total amount of XXXX XXXX 
However, it is over 30 days and I have yet to receive a response regarding my claim. This really doesn't show your complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. 
My complaint is against XXXX XXXX XXXX XXXX gate.io that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable person who fell victim and lost all the savings due to the misconduct of the bank. 
Banks and other Payment Services Providers ( PSPs ) do have a duty to protect people against the risk of financial loss due to fraud and/or to undertake due diligence on large transactions to guard against money laundering. 
XXXX XXXX XXXX DBA XXXX could have protected me from this ; unlike me, the bank knows about the existence of such scams and how you prey on vulnerable victims like myself, taking advantage of lack of knowledge, awareness, and circumstance. The treatment from XXXX XXXX XXXX DBA XXXX compounded by trauma and anxiety and has left me in the awful situation I now find myself in. 
During the course of our relationship, XXXX XXXX XXXX DBA gate.io failed to help me, as their customer who was utilizing their services. 
I believe I am fully entitled to compensation from XXXX XXXX XXXX XXXX gate.io and that they are to be held responsible according to the following : XXXX. Protect people from financial harm as a result of fraud or financial abuse. 
XXXX. I have never received a phone call, email or any kind of notification from XXXX questioning the financial activity of these transactions. 
XXXX. The red flags surrounding my transaction should have raised alarms with XXXX as the transactions were substantial and XXXX could have easily prevented them. 
XXXX. There were no similar transactions in the 12 months prior to my victimization by the scam scammer ( XXXX ). 
XXXX. A fair and reasonable outcome that XXXX reimburses me with XXXX CRO and 8 % compensation for the loss that had severely affected me on many levels. 
I have attached my complaint letter for your perusal, your prompt attention to this matter would be greatly appreciated! 
Kind regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitted several disputes to equifax, XXXX and experience and they all come back as verified. I just submitted a dispute with each of them inXX/XX/XXXX and again in XXXX 2017 and the same results. I also email each of the companies and on report and XXXX XXXX back sent a packet that included billing statements. The issue of inaccuracies was never address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4700.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7400.00}, XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$20000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$890.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$960.00}, XXXX - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3900.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120.00}. Please update.
Product: Student loan

In XX/XX/XXXX, called Navient to determine how me as the co-signer of the loan can be removed from the loan. I was informed at that time if I made 12 consecutive payments in the amount of $ XXXX monthly I could be removed from the loan. At that time, I set up to have the payments automatically deducted from my checking account. The payments were taken every month until XX/XX/XXXX. 

As a resident in the state of FL, I was impacted by XXXX but I never requested to have the deductions stopped. My daughter called this week to have the payments moved to her checking account and to have me removed from the loan. Now they are stating that I would have to start the process all over again, as if I never made those payments from XX/XX/XXXX - XX/XX/XXXX. 

Also the representative was very disrespectful, unprofessional and hung up the phone on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXXXXXX 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
Product: Debt collection

This company is in violation of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ) and lastly this company does not have the authority to collect a debt in the state of South Carolina. See attached documents.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C.1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC. Just try.
Product: Debt collection

Free annual credit report shows a negative on report from AWA llc for junk debt from XXXX XXXX. 
I've never heard of said company and feel it is fraud.
Product: Debt collection

I am in receipt of correspondence stating that I owe {$120.00} due to XXXX placing my account with a collection agency. I have never had an XXXX account and have never made a sale or purchase on XXXX.
Product: Student loan

Student loan on Aidvantage issue : On XX/XX/2024 I attempted to pay my student loan {$500.00} and they made a payment reversal. 
On XX/XX/2024 I made a payment of {$300.00} and they made a payment reversal again. 
On XX/XX/2024 I tried to pay {$200.00} and they reversed it again. I have enough funds in my bank account. 
I have been using the same bank account to pay my student loan and never had issue until now.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/year> ]. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. 

These inquiries were made without my consent and do not meet any permissible purpose under this section.