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

Whom It May Concern : I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$16000.00} Reported balance Highest balance {$21000.00} OVERVIEW Highest balance {$21000.00} Monthly payment {$650.00} 0pened XX/XX/XXXX XXXX XXXX XXXX Status Open. {$1200.00} past due as of XX/XX/XXXX. 
Account Type Rental Balance {$2200.00} Date Opened XX/XX/XXXX In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

Company still did not prove i owe this debt i need proof in written that this account belongs to me.
Product: Credit reporting or other personal consumer reports

Fraudulent credit card opened in my name at XXXX in XX/XX/year>. After receiving a statement for {$5900.00} ( account opened and they spent up to $ XXXX limit ) - I contacted bank fraud department. They agreed it was fraud. It still appears on my credit report as open. I have tried disputing with Experian - advising them to contact the bank to confirm ( as I was told I should by someone that claimed to know ). One year later - it remains on my report. 
And - I'm sick and tired of Experian ( and the others ) trying to sell me " XXXX '' to address this. I get multiple emails each day from them asking if I want to pay off this balance. I'm pushed to " buy up '' to their premium package. I don't need any other this. 
In the meantime- they've lowered my credit score from above XXXX to under XXXX. I have considerable assets- and have paid off my mortgage and current vehicle in the past year - yet my score goes down? Why - because it's a rigged system. 
This is a complaint about the incident- and the overall corrupt system it is. I have paid ALL my debts over my adult life. SELDOM late on anything ( oversight - not due to default ) - and this is how I get treated? Sick of it ... and I don't expect this to mean a thing or get any response ( after all - it's government - and look around ). It does make me feel better to get the anger off my chest for all of this ... fraud ... diffidence ... and what it does to an honest person who's worked hard all their life. My XXXX save us all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Date : XXXX XXXX Amount : {$530.00} They did not notify about a pay day loan being reported to the credit bureau, while I was making payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX payed and requested closed. still showing as negative on credit account.
Product: Debt collection

I called to inquire about this debt that is showing on my credit report that I am not familiar with. The representative was very rude and unprofessional. She would not give me information on how to request that they send me the original documents for the debt and she hung up the phone with me. She attempted to intimidate me the entire time we were on the phone and she was verbally abusive the whole time. 

This collection needs to be removed from my credit report. They have not provided verification that this debt belongs to me. 

XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( Below Accounts ) Has violated my rights. 
1. XXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX : XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX 6. XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX [ Inquiries ] 7. XXXX XXXX XXXX : XX/XX/XXXX [ Inquiry ] 8. XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX [ Inquiry ] 9. XXXX : XX/XX/XXXX [ XXXX ] 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 an account without my written consent/instructions.
Product: Credit reporting or other personal consumer reports

Someone has used my information without my consent. i have been a victim of identity theft, i have notified all companies and proper authorities. i have also file reports with agency that will be attached. Dates and companies are as follows. 

XXXX Account number : XXXX Date openedXXXX  XXXX, XXXX Past due amount {$1000.00} BARCLAYS BANK DELAWARE Account number XXXX Date opened XX/XX/XXXX Highest balance : {$19000.00} XXXX XXXX  Account number : XXXX Date opened XX/XX/XXXX Highest balance {$11000.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account numberXXXX
Product: Debt collection

I am unaware of this debt I did not have the opportunity to dispute this information... I did not receive proper notification if in fact you believe that you sent me proper notice please send me the certified receipt with my signature on it stating that I received it
Product: Credit card or prepaid card

This complaint is regarding my PNC Bank Credit card. I currently have 3 promotions on this account. # 1. 0 % on purchases - endingXX/XX/XXXX. Current balance {$3200.00} # 2. 0 % Balance transfer - ending on XX/XX/XXXX. Current balance {$1500.00}. # 3. 0 % Balance transfer - ending XX/XX/XXXX. Current balance {$1200.00}.

I have been making payments well over the minimum balance due each month since I applied for the 0 % promotion on purchases onXX/XX/XXXX. I didn't check my monthly statements carefully until last month when I noticed that none of my payments were being applied to the promotion ending in XX/XX/XXXX. I contacted PNC bank and they told me it was their practice to apply payments to the balance transfer promotions before applying them to the purchase promotions. I asked if I could direct my payments to go to the purchase promotion. I was told, in uncertain terms, THAT I COULD NOT! I spoke to line representatives, their supervisors and finally XXXX XXXX XXXX of the Escalation Department. I searched the 1 page " Terms and Agreements '' that is included each month with my statement and could not find this policy. XXXX, today, referenced the 6 page " Terms and Agreements '' that came when my card was Issues. It does not state that policy! It says, in section 3.5 " How we apply your payments : Application of your payments is at our discretion, and generally that means that we will apply your payments to balances with lower APR 's before balances with higher APR 's. However, any amounts you pay in excess of your minimun payment due will be allocated to balances with higher APR 's before balances with lower APR 's. '' By this token, it would seem to me that any amount I pay in excess of minimum payment due would go to the promotion that is ending soonest!!! I asked if I were to pay the entire amount due on the purchases, would that be satisfactory, She said " NO. You would have pay all three promotions in full in order not to be charged the default interest rate on 12.24 % on the balance ''. I find this extremely unfair! I would like to pay off my purchase promotion before it expires, but can not do so without first paying 2 other promotions. I was never informed of this and it certainly was not made clear in the Bank 's Terms and Conditions. I am hoping you can help me resolve this issue. Thank you!
Product: Money transfer, virtual currency, or money service

I used Coinbase to trade XXXX, my account was hacked and all the money was gone. Hackers started to take money from my Coinbase account during the night while I was sleeping. When I woke up and checked my account, money was gone, so I tried to get hold of Coinbase which has no custormer service available, all you can do is to send a message online and get a ticket number from them. Then I started to search for Coinbase Hacked Accounts, and I was suprised by the number of people who had the accounts hacked, even more surprised when I found that that Coinbase has not assisted or refunded anybody, all that customers can get are bot messages, thats it! At this point, after reading so many cases, I dont even believe that Coinbase will refund the money hacked, I just hope that more and more victims can continue to report their cases so eventually Coinbase can be held reaponsable for many losses, including mine. Coinbase ticket # XXXX
Product: Money transfer, virtual currency, or money service

XXXX was sent {$140.00} for tickets that were not valid. She said she was going to refund the money and has now deleted her profile. I have contacted XXXX and XXXX, and neither institution is willing to file a dispute for this transaction.
Product: Debt collection

This debt does not belong to me. I have already disputed this debt in writing in XX/XX/2020 with the company and they did not validate this debt as belonging to me. It was removed from one credit bureau but still remains on the other.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up on my previous complaint on CFPB, complaint ID XXXX. I wasn't provided any document that linked this alleged student loan to me. Then during my last compliant, Citi send over a loan application dated in XXXX from a XXXX XXXX who lives in Texas . Citi has further requested my drivers license. Which I '' m attaching it here. I also found the attached document which I thought was junk but might be helpful to your internal investigation. This false reporting has greatly damaged my credit file and I demand this to be removed as soon as possible before I hand this over to a consumer fairs attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

TIME LINE : XX/XX/XXXX I wrote to the credit bureau after the company that I was trying to secure a home loan with notified me that it couldn't be approved. There was no reason for this. Well, I suggested that he send me a copy of the credit report immediately.

XX/XX/XXXX : I received a copy of my credit report and public record search from their company. This is when I saw all the inaccurate information specifically the ( bankruptcy even though the judge dismissed the bankruptcy because of the fraudulent accounts included ) Those accounts are : -XXXX  XXXX XXXX ( note I was involved in the Equifax and XXXX XXXX data breach which exposed my information to criminals ) -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 I FILLED A CLAIM WITH THE FEDERAL TRADE COMISSION AND LOCAL POLICE ABOUT THE THEFT AND THE MISUSE OF MY NAME. 

I have contacted the XXXX courts and they have stated to me that they did not provide these agencies with this information therefore you have had more than enough time to prove this as accurate information from the courts and they have stated that they have not provided this information. Where are you getting this inaccurate information fro? I believe that this is an error and all Bankruptcy notes and bankruptcy should be blocked immediately. Attached you will see the laws that protect my consumer rights and it will be recorded with the consumer finance if you don't govern your agency by the law. I realize this could be an oversight by one of your agents, maybe they were in a rush but this is not acceptable when it affects me in a negative way, because of the negligence of an agent. Please take the proper steps to make sure this is corrected so that we can discontinue any need for court fillings or law suit. Bottom line, You knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. NO AGENT WAS PROVIDED WITH THIS INFORMATION FROM THE COURTS yet your reporting it as accurate verified information. Someone owes me an apology or money for damages this is causing. 

XXXX XXXX The bankruptcy notes are still on my file inspite of me notifying you of the inaccurate information. I've done everything correctly as far as notifying you and giving enough time for a response and update stating the corrections being made to my file. I believe according to the fair credit reporting act I have a right to have only accurate information reporting or you violate my consumer rights. and I have already been included in the Equifax law suit. This information is public and you can type my name in and see if for yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, and XX/XX/2022 I filed disputes with Equifax, XXXX, and XXXX, all 3 credit bureaus due to there being collection accounts that are not mine ( 4 to be exact ) on all 3 of my credit reports. According to the rules and or laws for your guidelines, I got no response in a reasonable amount of time and heard no answer or anything explanation whay is happening. I would like these items removed from all 3 of credit reports, thank you. The items are : 1. XXXX XXXX. Acct # XXXX Account is not mine. 
2. XXXX XXXX XXXX XXXX Account XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Account is not mine. 
4. XXXX XXXXXXXX XXXX  Account # XXXX. Account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX the company Self Lender Inc furnished a XXXX late payment on my consumer report outside of compliance of the fair credit reporting act. Self Lender Inc. Account Number : XXXX Fair Credit Reporting Act XXXX5 U.S Code 1681a ( 2 ) ( a ) ( i ) Definitions ; rules of construction ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s3 of this title, any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. 

I reached out to Self on XX/XX/XXXX telling them that the transactional history between me the consumer and the person Self Lender is not supposed to be reported. They also failed to give me the disclosure on how to opt out of having my info shared with other persons. 

They ignored my letters twice. When I reported to the CFPB only then did they respond denying my request to delete the late payment. I showed them proof and I was treated poorly. In fact, after our communication when I reported the incident to the CFPB they closed my account. On XX/XX/XXXX, I sent a follow up letter pointing out their discrimination against me because I was using the law in good faith since the info they reported is negatively impacting my livelihood and hindering my ability to obtain credit. 

15 U.S. Code 1691 ( a ) ( 3 ) - Scope of prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.

Self Lender Inc. Once again ignored the letter I sent certified mail return receipt. They received my letter XX/XX/XXXX and yet no correspondence. I am asking for your help that the law be enforced and that the late payment being furnished on my credit report be deleted and updated to Ok or paid as agreed please.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Money transfer, virtual currency, or money service

I had found an apartment for rent on XXXX. Upon doing my due diligence and verifying that the individual I was communication with was a real person who worked for XXXX XXXX XXXX, I proceeded to send {$3300.00} through Zelle as a security deposit so the apartment would be taken off the market. 

Unfortunately, the identity of the individual had been stolen and I was not actually communicating with the real person. 

{$3300.00} is a standard security deposit in XXXX, WA. 

The individual even sent a fake Lease Agreement stating that should I not move forward with the unit, my money would be fully refunded. 

I reported the activity to Zelle and they did absolutely nothing, not even a response. I emailed the real agent to inform him that his identity had been stolen. Apparently this has happened numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and Experian are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.
Product: Credit reporting or other personal consumer reports

I originally disputed the information in XXXX of XXXX. I spoke with the company and they told me that it should not have been reported as late and it would be fixed. Experian said the company never corrected the information. I called again and requested a transcript of my payments which confirmed that I was never 30, 60, or 90 days late. They again said they would investigate. Nothing happened. I recently had the opportunity to purchase a home for under market value but it needed to be done in a timely manner. When the lender pulled my credit the negative hit from XXXX financial was still there and prevented them from moving forward. They told me to take care of it. 
After I filed this complaint they sent a letter to you all, stating they would report to the credit bureaus that the information needed to be modified. That was on XX/XX/XXXX. To date it has not happened and the company keeps telling the credit reporting agencies that the info is accurate. I have reached out to them at least 9 times and get to a supervisor only for them to tell me they are opening an investigation and then when I follow up they are unprofessional and hang up on me.
Product: Credit reporting or other personal consumer reports

this was not sent in error i am a consumer by law and my information was misused. Now I have some false not 100 % accurate accounts on my credit report and also not metro 2 compliant
Product: Mortgage

**NOTE - My name is XXXX XXXX XXXX the CFPB profile has my maiden name ( XXXX XXXX XXXX- please make sure to forward my current name to Freedom Mortgage My mortgage was through XXXX XXXX  earlier this year. In XXXX, I made 3 payments to XXXX XXXX  : XX/XX/XXXX - {$2700.00} ( XXXX principal ) - XX/XX/XXXX payment XX/XX/XXXX - {$2700.00} ( XXXX principal ) - XX/XX/XXXX payment XX/XX/XXXX - {$1500.00} ( XXXX principal ) - additional XXXX that should have been applied on XX/XX/XXXX In XXXX, XXXX bank sold my loan to Freedom Mortgage. XXXX sent a check ( # XXXX ) to Freedom Mortgage on XX/XX/XXXX which had my final XXXX payments ( XXXX total ). I have a photo copy of the front and back of the check, along with my account number from XXXX XXXX. Freedom Mortgage never applied my payments to my mortgage and is saying that I am delinquent on my XX/XX/XXXX payment, even though that payment was made back on XX/XX/XXXX. Now, I actually do have an upcoming XXXX payment but I can't make the payment because they will apply it to XXXX ( even though that payment was made in XXXX ). 


Please see the attached " XXXXXXXX XXXX XXXX  '' file that shows the payments made to XXXX XXXX  Please also see the attached " freedom_mortgage_XXXX XXXX  I have been in contact with Freedom Mortgage since XX/XX/XXXX trying to get this issue resolved and they wont apply my payments to my loan even though I have provided all the documentation from XXXX XXXX. I even sent them my personal bank statements to see the money coming out of my XXXX account. I don't know who to turn to anymore because they are saying that my {$4200.00} went into someone else 's account, and they wont correct their error. I will be reaching out to XXXX XXXX  later today to see if they can help. Please someone help me get the payments that I made back in XXXX applied to my loan. They are trying to make my account delinquent because of an accounting error on Freedom Mortgage 's end.