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

DEAR, CFPB 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 : XXXX bank Delaware -- XXXX XXXX -- Open XXXX, XXXX -- {$0.00} XXXX XXXX XXXX XXXX, XXXX -- {$0.00} Avant XXXX XXXX XXXX, XXXX -- {$0.00} XXXX auto financeAcc XXXX Open XXXX, 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 XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX 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 XXXX  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, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX Balance Owed : {$0.00} - You have been reporting inaccurate information and this is a violation please remove. 

XXXXXX/XX/XXXX XXXX Balance Owed : {$1500.00} -This account has been sold or transferred but has past due balance instead of XXXX balance, please remove. 

XX/XX/XXXXXXXX* Balance Owed : {$22000.00} - This account has the wrong balance. Please remove this account because inaccurate information. Remove this account. 

XXXX XXXX XXXX* Balance Owed : {$4200.00} - Delinquencies reported after the account was closed. This is a violation please delete. 

XX/XX/XXXXXXXX Balance Owed : {$8200.00} - This account was sold but still reports a balance, please delete this account. 

XX/XX/XXXX XXXX Balance Owed : {$2400.00} - I am not the owner of the account. Remove this account. 

XX/XX/XXXX XXXX Balance Owed : {$3600.00} - I have no knowledge of this account, please delete this account. 

XXXX XXXX XXXX XXXX Balance Owed : {$3200.00} -This account does not belong to me, please delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has agreed to remove all XXXX XXXX XXXX known as XXXX XXXX XXXX  credit account from my credit report based upon release agreement attached. 

And, XXXX credit is paid up to date and not reported for proper credit score on my credit profile. 

XXXX  XXXX current credit balance is incorrectly reported. Account current with no lates. 

Proof attached for all.
Product: Mortgage

I have a loan for a lot in XXXX Florida with 53 bank for many years. this lot actually belongs to my sister and her family who is making the monthly payment through me.she could n't get a loan back then so I got a loan for them so they can have a small investment before economy down turn. We have been making a payment every month right at due date on the clock all these years. in the past before loan becomes mature I was being contacted and they would renew the loan with no issues. This time I was not contacted prior to loan become mature on XX/XX/XXXX. Then I 've got a call demanding the loan to be paid off in whole including all penalties which it comes to about {$68000.00} I explained this is impossible with such a short time so if there was anyway they can reconsider of refinancing it so my sister 's family has more time to come up with other means of getting loan on their residence and pay off this loan. this has been going on for almost more than 30 days. every time I call they are stating they need more documents and they are working on it. Last commutation was this morning. In the meantime I am getting calls from their collection dept every day sometime few times and I have to explain to different people the same thing and give them an update of their bank 's action. Seems like 53rd bank either do n't communicate with their own departments or they do n't have an access to the same file or perhaps right hand does n't know what the left hand doing, During all this we have been making our monthly regular payment of {$400.00} a month without interruption. These are beside they reported delinquency to my credit file so my credit score from XXXX dropped to XXXX technically we are not late on the loan and still making the payment. I told them we need to sort this out as soon as possible so we can stop the bleeding of destroying my credit any further and start cleaning it up but still no action. 
I am getting calls from other creditor due to low credit and they are cutting my line of credit as a result. 
In the meantime I was told by their collection dept that 53 bank getting ready to shot sale the lot which is totally wrong specially when I worked so hard to get the loan extended and hold off is from their side, not my side. 
XXXX XXXX is my only hope to get my voice to the proper authority for help to fix this problem and help getting my credit back for this unfair act of 53 bank. 
Furthermore I have most of the communication that was done via email which I can supply upon request. Also I would request to check my credit history and see if there was ANY late or delinquency for past 22 years and since I moved to XXXX I 've heard Consumer Protection helped so many people to get them back on track and I am hoping to such a result in this case. 
Thank you for your time and help in advance.
Product: Credit reporting or other personal consumer reports

My account with 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 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 info
rmation 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get this company to be honest about my payment history during the first year of me purchasing the vehicle.On my credit report Ally financial has reported that I missed 8 payments back to back within the first year of my purchase. XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-30 days, XX/XX/XXXX-60 days, XX/XX/XXXX- 60 days, XX/XX/XXXX-90 days, and XX/XX/XXXX-30 days. I hope you can see where I am going with this. It looks like I have  missed 30,60, and 90 days when it wasn't that amount of time between payments. I just purchase the vehicle. My credit is ruin by this reporting. I have dispute with company and credit beau with no results because this company have said they can do whatever they want. Not only was this vehicle over priced, I love this vehicle and made sure it was paid on time for the first year. After I was XXXX I called and told them I would be gone for the next year, and setup automatic payments in XX/XX/XXXX. Behold they reported I was late during that year also. I am severely XXXX over this issue, and I've tried everything to come to some time of resolution with this company.
Product: Money transfer, virtual currency, or money service

I mistakenly transferred {$800.00} to my grandsons closed Cash App account. I contacted them and was told that there was no way to retrieve that money because I and my bank agreed that I was indeed the sender. That and all Cash App account in his name has been closed and canceled by Cash App and no such account existed at that time. If the money did not go to him, all I'm asking them to do is to please find out where my {$800.00} went to. For me, that's a lot of money to be in the wrong hands and I've uploaded the correspondence that I received back from them. This happened on Friday, XX/XX/XXXX in the afternoon and my grandson and I tried to trace the money but could not. 

Any help you could give me would be so appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX ( home phone ) XXXX email address
Product: Student loan

Ive tried calling the college and nothing it was the group home I was in when I was a teenager, they applied to the college without my knowledge and tried to get me out of their care as soon as I turned XXXX, I went to a different college at the same time I supposedly went to the college the charges are coming from.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are in violation of 15 US CODE 1681 N XXXX placed XXXX unauthorized credit inquiries on my credit report. 
Experian placed XXXX unauthorized credit inquires on my credit report. 
XXXX placed XXXX unauthorized credit inquiries on my credit report. 

Affidavits of truth were mailed on XX/XX/2023, pending response.
Product: Debt collection

FCO debt collection company XXXX XXXX XXXX XXXX violate this ru l XXXX by purchasing a debt that is incorrect and chase me for repayment
Product: Money transfer, virtual currency, or money service

I had a terrible experience with the customer service and found the platform unreliable. I faced issues with every transaction : first, I couldn't send an invoice, and second, my money {$320.00} USD - XXXX XXXX, XXXX didn't reflect in the account despite it showing as completed and deposited. I communicated with XXXX via email, but her responses were unclear. Additionally, the advertised 24/7 support is misleading. Their chat kept saying that support is not available during weekend even when obviously its weekdays and their hotline is just bot.
Product: Credit card

This is not a duplicate complaint COMENITYCB/MYPLACERWDS is being negligent requested information from this creditor on XX/XX/year> and I have yet to receive anything. Please have this company upload the following documentation :. All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E. allocation of payment. I would also like to know the chargeoff amount and date sold if possible
Product: Mortgage

I refinanced my house with Freedom Mortgage last year and the refinancing was closed in XXXX, 2019. There was a 2nd on my house with XXXX, and they were supposed to record to keep Freedom to be the first. They haven't recorded the subordination agreement so XXXX is the 1st lien holder now. Due to XXXX is being a first lender, it's holding my refinance process. I've reached out Freedom Mortgage numerous times by phone calls and emails and I even reached out the company who was responsible for closing of my loan at the time to obtain a copy of recorded subordination but they kept sending me unrecord sub evidencing that that was the recorded doc and they closed the case. I had to reopen the case 3 times. I even contacted the loan officer who work on my refi. None of them provided or contacted me with any updates until now. 
I have been calling them once a week since XXXX. I have decided to elevate this issue to you. 
Please see the attached emails that I communicated with the Freedom Mortgage, closing company and the loan officer. You can reqeust the phone calls from Freedom as they are required to record the conversation. My case was open in early XXXX. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day. 

I called XXXX and spoke to them and expressed my financial struggle. I also explained to them that I am going to apply for the XXXX forgiveness loan. She explained to me that she didnt have information on that and I could call back for more information. I spoke to them a second time prior to credit reporting, and I am sure the call is recorded and I was not informed as a matter of fact misguided and misrepresented with the information. Now I am showing XXXX  days past due on all my student loan information without a true representation of my conversation with them.
Product: Debt collection

Sunrise credit services call approximately three times a week to collect a debt that is not mine. My middle name and date of birth do not match what they have on file, and I spent an hour on the phone with them, waiting to connect to XXXX  XXXX XXXX ( originator of supposed debt ). I provided XXXX XXXX XXXX with important pieces of information, such as current and previous addresses, date of birth, and employer, and they were unable to match me to the account in question, all the while the representative from Sunrise listened. I have never held an account with XXXX  XXXX XXXX. 

I work in XXXX, and if my employer were to discover that a debt collector is pursuing a collection my employment would be at risk - for a debt which is not mine. My next steps pending no action from this complaint will be to file a complaint within the NY Court System. I can not understate the emotional duress this is causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX VIA XXXX XXXX XXXX Date : XXXX2018 This inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. If you have no proof immediately I would like it removed immediately.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, XXXX XXXX XXXX XXXX is reporting that an account was charged off /delinquent, when in actuality the account was charged off in XXXX. This has resulted in a significant decrease in my credit score. 

XXXX has reported a charged off account as charged off each month from XXXX XXXXXXXX XXXX  XXXX. 

Capital One has reported an account as charged off each month from XXXX XXXX XX/XX/XXXX each month. 

I believe this is a violation of 15 U.S.C. 1681e ( b ) of the Fair Credit reporting Act. This is both misleading and inaccurate. A charge-off is a one-time occurrence, and reporting it as recurring violates FCRA regulations.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX**** Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Hi, I have opened a Coinbase account two weeks ago and I have seen a set of odd transactions that either failed or were unclear to me. Furthermore, despite me linking some of my bank accounts with the app, there has been no verification. Same with my ID. They keep asking for pictures of my driver 's license to complete my ID verification, but nothing happens. I have tried since to close the account, with no luck. There is essentially no response coming from coinbase customer support, whether that is on the phone or via email. This is not only unprofessional, but also negligent. Constantly typing in the same information for it just to get rejected is simply not safe. I 'd like coin base to finally be able to close my account.
Product: Credit reporting or other personal consumer reports

I noticed something on my credit report that I have no knowledge of I noticed it in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax regarding an inaccuracy on my credit report from XXXX XXXX XXXX  XXXX in the amount of {$6200.00} and informed then that this is not my account, please removed from my credit file. They have not responded to my letter or demand to comply letter and they have continued to damage my credit. I need this removed from my credit report ASAP! They keep putting the same delinquent account on my credit report every month bring it down each month. I need this removed immediately!
Product: Credit reporting

I had a collection account show up on my credit report in XX/XX/XXXX ( XXXX XXXX Account No. XXXX ). I believed the account to be incorrect and disputed the account with Experian. Subsequently, the account was deleted from my Experian credit report in XX/XX/XXXX. In XX/XX/XXXX, the same account listing matching balance, collection company, and account number was reinserted on my credit report. No notice was provided to me prior to or immediately after reinserting this collection account, as required by law, and its inaccuracy is greatly affecting my credit standing.
Product: Bank account or service

A account was open on my name,, and fraud was on my account right after,, this happen since XXXX, and I can not open other bank account on my name, due to this issue
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was sent three transactions totaling XXXX on my XXXX   app for business. The first transaction went through with no problem the next day and was in my account that morning as was told and expected. The other two which were immediately right after each other to and from the exact same account, one for  {$500.00} and the other for {$700.00} are being held for no reason. Ive ovfered to submit my id for verification, cancel the transactions and everything but they are refusing to give me my money and on top of that the customer service is completely rude and laughs at my distress. Nobody can tell me why I got one but not the other 2 and this is a lot of money. I see now they are being sued by several people for shutting down accounts and keeping funds just because.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$15000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$13000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$14000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$8900.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX Account Number : XXXX Balance : {$4100.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.