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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Request for Immediate Reinsertion of Corrected Information Discover Account Dear Sir/Madam, I am writing to formally demand the immediate reinsertion of a corrected entry related to my XXXX account on my credit report, in compliance with 15 U.S.C. 1681 ( i ) ( 7 ), as part of the Fair Credit Reporting Act ( FCRA ). I previously disputed the entry associated with my XXXX account ( XXXX XXXX ) on my credit report, and the results of that dispute clearly show that the information was removed from my credit report.

Under the FCRA, specifically Section 1681 ( i ) ( 7 ), if information that was previously reported is corrected after a dispute, and if the furnisher of that information fails to provide substantiation, the disputed entry must be deleted from my report, and I must be notified of its reinsertion only when the information is verified as accurate. Additionally, you are required to provide a detailed description of the steps taken to reinstate the entry once it has been properly validated. 

The entry related to my XXXX account was disputed because it contained errors or outdated information. Following the dispute process, I have submitted all necessary evidence to demonstrate that the reported information was inaccurate, and therefore it should have been corrected or deleted. The continued presence of this erroneous information is a violation of my legal rights under the Fair Credit Reporting Act. 

I demand that this incorrect entry related to my XXXX account be immediately corrected and that the corrected information be reintegrated onto my credit report without further delay. Additionally, I am requesting a formal acknowledgment of the correction and a clear explanation of the steps you have taken to comply with 15 U.S.C. 1681 ( i ) ( 7 ) in the reinsertion process.

Failure to resolve this matter within 30 days from the date of this letter will result in further actions, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies as provided under the Fair Credit Reporting Act. 

This is a final request for immediate action. I trust that you will promptly correct the error and reinstate accurate information related to my XXXX account. 

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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS : XXXX. XXXX XXXX XXXX. Account number : XXXX XXXX. XXXX XXXX XXXX. Account number XXXX XXXX. XXXX XXXX XXXX. Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX. Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX  XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

Debt collector trying to collect debt that I do not owe. Debt collector has no other information other than my mailing address. I tried to submit a form to dispute the debt but the website tries to force me to download software. Credit Collection Services XXXX XXXX XXXX XXXX MA appears to be a scam company trying to collect a fake debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO is reporting my account # XXXX as a CREDIT CARD on my credit files. This account should be reporting as a LOAN. I just at the beginning of this 0 % 60 month term loan, therefore the balance is still high, due to it's my first year paying on it. This is causing my credit score to drop horribly because by wells fargo reporting it as a credit card instead of a loan, it's showing that I have a high utilization rate. 
Please update this account from reporting as a credit card to reporting as a installment loan. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity thief so theres different name and address on my credit report and some of my credit cards are not reporting on my credit report, My XXXX XXXX, My XXXX XXXX and my XXXX all in Great standard but theyre not on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$810.00} XXXX XXXX Balance : $ XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent my first certified letter to Equifax stating there were errors reporting on my credit report. On XX/XX/2022 I sent a follow up certified letter requesting validation. There are three accounts from the collection agency named XXXX XXXX XXXXXXXX XXXX on my credit report. Two of the accounts has the same account number and amount XXXX {$170.00} XXXX {$170.00} XXXX {$340.00} Equifax is reporting inaccurate information and Id like the accounts deleted from my credit report.
Product: Vehicle loan or lease

bad warranty and balance on the original contract is different from what they're reporting from my credit report. The false reporting has hurt my ability to obtain credit.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Mortgage

name : XXXX XXXX XXXX XXXX of XXXX ( XXXX before XXXX change ) XXXX XXXX XXXX XXXX ny XXXX had mortgage with XXXX XXXX bank ( XXXX ) in XX/XX/XXXX for the XXXX of {$140000.00} refinanced house in XXXX there was never a release filed by XXXX XXXX they have refused to answer and/or offer help can not sell house with this still on the rolls need help XXXX ( HSBC ) is no longer in the united states have been trying for over a year to get this cleared up
Product: Credit reporting or other personal consumer reports

violation of us 15 code 1681, 15 us code 1681e ( b ), Under 15 U.S.C. 1681i of the FCRA ( did not reinvestigate thoroughly )
Product: Money transfer, virtual currency, or money service

This is in regards to Coinbase.com I paid a merchant in ethereum ( cryptocurrency ) and Coinbase claims that the transaction is awaiting network confirmations. It has been over one month since the transaction has cleared. They told me one week ago as of today that theyre working with a specialist on my case and since then I havent heard anything back. Ive sent them at least three emails since then and there hasnt been any response.

The ETH is still sitting in the wallet account that I sent it to, but the merchant cant access it, and neither can I. Coinbase refuses to act ( and wont respond to my emails ). Its honestly as if their customer service department is accountable to nobody.

I tried submitting a complaint, to no avail. I will likely have to take them to small claims court or something ...

Its honestly the worst customer service ever and Ive dealt with many companies ... none have ever had customer service this bad.

They dont even sign their emails with an actual name, which is extremely shady. I will update if and when this is resolved. Im beginning to lose faith that it will.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true.
Product: Debt collection

Medicredit XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Account # XXXX has been sending me collection notices in the amount of {$4400.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a letter was mailed to XXXX regarding improper reporting and XXXX did not respond. A complaint was submitted to the CFPB on XX/XX/XXXX regarding this issue and as of XX/XX/XXXX the matter is still open and pending. XXXX has updated all open accounts as agreed while investigation is in progress. I, the consumer, am submitting this complaint as a follow-up to the XX/XX/XXXX complaint. The closed account with Bank of America is still reporting adverse items. 
Per 15 USC 6805 CFPB must enforce all the following regulations : Per 15 USC 1681a ( 2 ) ( A ) ( i ) financial transactions by consumer are not to be reported without my permission. 
Per 15 USC 1681c no adverse item of information may be reported regarding my consumer information unless it is a conviction of a crime. 
Per 15 USC 1681n ( a ) due to willful noncompliance, I am entitled to up to XXXX US dollars Per 15 USC 1681o ( a ) due to negligent noncompliance, I am entitled to actual damages sustained as a result of failure to comply Per 15 USC 1681s ( a ) ( 2 ) ( A ) I, the consumer an entitled to not less than XXXX US dollars per violation of each willful or negligent noncompliance in a United States district court Per Privacy Act of 1974 ( 5 USC 552a ( 4 ) ( b ) I must consent to any disclosure of my records.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX, TX XXXX Re : Request for Debt Validation account number : XXXX Original Account Number : XXXX Dear Sir/Madam, I am writing to request validation of the debt that you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you provide me with verification of the debt and evidence that

you have the legal right to collect on it. Please provide me with the following information : 1. The f
ull name and address of the original creditor associated with the debt.

2. The amount of the debt, including a breakdown of any interest, fees, or other charges.

3. Documentation or a copy of the original signed agreement or contract that created this debt, including any amendments or updates.

4. Proof of your authorization to collect this debt, including any assignment or transfer of the debt to your company.

5. A detailed payment history, showing any payments or adjustments made to the debt. 
Please consider this letter as a formal request to validate the debt. As required by law, until you provide the requested validation, you must cease all collection efforts on this account, including reporting to credit bureaus. 
I would appreciate a prompt response to this request. If you fail to provide the required documentation, I will consider the debt in dispute, and I expect all collection activities to cease.
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan for a bathroom remodel. The company is XXXX XXXX, but I believe they utilize XXXX Bank. I make the monthly payments. of {$150.00} until loan paid off. I received notice that IF I continue to receive paper statements, the company is going to add a charge of $ XXXX payment. I believe this is not justified : reason : I have visual impairment so I always use paper statements so I can track my expenses. I can not do online payments, or text via cell phone because of my poor vision. That is why too, you see the size of this font???? I need to continue to receive paper statements @ no charge so my impairment can be accommodated! Please intervene. XXXX ( because of my vision I do not know IF file I choose to upload is correct bill. Yet it has my account info.
Product: Debt collection

I got a default judgement against from another state XXXX Ga. claiming I owe them XXXX to a court in XXXX. I do n't she got a way that mess I have never heard of XXXX XXXX in my a debt that has been since XXXX plus I have insurance. now back to XXXX XXXX they false statements like charts trying to compare me to a XXXX or XXXX XXXX old in training on job in XXXX to XXXX trying to prove their false point. I 'm so sick of these XXXX  someone needs to them they are garnish me as I 'm typing I need seriously I 'm been harass by them through mail I 'm suffering from XXXX of the XXXX my mother I do not owe these people period thank you. sincerely XXXX XXXX my XXXX XXXX XXXX my email is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate and fraudulent accounts on my credit report and no reasonable investigation or action was taken to remove those accounts Accounts To Remove : XXXX. XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX Late Payments to Update : XXXX. XXXX XXXX
Product: Mortgage

Had a payoff for a mortgage good thru XX/XX/2020, paid it off on XX/XX/2020 with the additional 2 days of per diem interest indicated on the payoff. After receipt of Payoff on XX/XX/2020, LakeView Loan Servicing is charging me foreclosure fees for a mortgage that has never missed a payment ( first customer service person told me I was 2 months behind, FALSE ). When I call them, I waste hours on the phone and NO one knows why they are charging the fee and cant give me a straight answer. I am in the XXXX  business, so I am very familiar with the loan process. Lakeview Loan Servicing thinks they can just brush me off and I will go away quietly while they make erroneous charges and no one will pay attention.
Product: Mortgage

We were near the end of an insurance claim with our previous mortgage company when our mortgage was transferred to Rushmore. When we finally had the additional documents and estimates ready, we sent the checks and all supporting documentation to Rushmore.     After weeks of emailing and calling trying to reach the loss drafts department, we got the init ial 1/3 pay ments processed to the contractors that we needed to do the work. The work was completed ov er 2 we eks ago, and we have requested the inspections and payments processed for the completed work.     After sending emails and calling leav ing Voice Mai l for our Loss Drafts contact, i have received no response from  Rushmore.  Furthermore, the contractors have been calling me for updates on payments. I was provided a " direct number '' to our loss drafts contact by customer service which we used several times to leave voicemail for our contact. That number has stopped working, and now they are telling us that " there is no direct number '' and they " ca n't transfer my call '' - which is contrary to information in complaints on this website.     In addition to the lack of communication from Rushmore 's loss draft department, they also neglected to inform us that our payment had increased to " cover escrow shortage '' and if we had not been calling them almost daily, i would have made my first late mortgage payment in nearly 20 years of homeownership.     This claim has already been going on since  XXXX  of  2016 due t o delay in the insurance settlement process, and these delays have already caused several thousand dollars of additional damage to the property. Rushmore 's claim that " their policy and procedure is for my protection '' is completely false as their delay is preventing repair of the property, risking additional damage, and, if our contractors are not paid from the insurance settlement that Rushmore is in control of soon, financial hardship for my family if we are forced to settle these accounts with our own funds.