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

I have been disputing with all three agencies.I do not have an account with this company, XXXX XXXX.Nor have I been given a reason for any charges by original debtor XXXX XXXX XXXX owned by XXXX XXXX.who I tried to contact XX/XX/XXXX & XX/XX/XXXX. the manager, XXXX stole over {$6000.00} worth items from my apartment during XX/XX/XXXX. Police report was filed once I returned home my upstairs neighbors reported seeing XXXX carry my cherrywood armoire from my home and offering them my new appliances still in boxes.I confronted her in front of witnesses she admitted to taking my items but could n't get them. I was very upset because my fathers rings & bracelet was in there he XXXX XXXX. I had other items that past doctors and friend who XXXX gave me.So I had irreplaceable items that meant a lot. XXXX so how upset I got then she stated ok just pack the items you going to take with you and do n't worry about trying to throw out anything I will take care of it.She promised to call me to come back and pick of my items.Instead the office asst quit and XXXX was never available or would n't answer the phone afterwards.Then in XX/XX/XXXX This company XXXX XXXX called me stating I owe $ XXXX.I asked them for what? Then I told them I do n't owe XXXX XXXX XXXX any money I paid rent on time and gave proper notice I was transferring.I never received any court date if I was being sued for this fraudulent Debt or I would 've have gone to court with my attorney to fight .XXXX is a thief I 'm not the first tenant being taken advantage.I do have witness to confirm all of this and my sheriff report I made in XX/XX/XXXX.after I found this on my credit report I have done 3 disputes with all 3credit bureaus starting in XX/XX/XXXX an attorney attempted to contact owner of XXXX XXXX XXXX with no luck.i sent a letter to each credit bureau at end XX/XX/XXXX No credit bureaus except responded.XXXX notified me a chapter XXXX Petition was put on my report by XXXX XXXX who I do n't have any account.This fraudulent has cost me loans for a home car and things I needed for my children.Because I may still have to move forward with an attorney I reserve the right to keep my police report number and witness information.thanks.
Product: Debt collection

They sent me a letter saying i owe a debt for a cell phone. i sent them a letter telling them to verify debt with signature, they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into my annual report for transunion. I was going over information and somehow it just kicked me right out of it. I know it was intentanal do to fact i was not even pressing any buttons an exsperion had just told me that i could not access the report do to circumstanance about 15 minutes before i was kicked out of transunion.
Product: Debt collection

I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies. 

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ). 

If you can not perform thi
Product: Vehicle loan or lease

During covid, and loss of my job, I had 2 months past due combined into a payment plan that spread payments over 12 months to catch up. This was a written agreement to do so. However Bridgecrest kept reporting each subsequent month to the credit bureaus as past due up to 120 days when ALL payments during that 12 month period were paid on time in included the additional amount to cover the 2 months past due. They refuse to amend the reporting to show the payment history as an on-time payment and instead my report shows 12 payments past due when it should have been 2 in a 14 month period.
Product: Credit card or prepaid card

I called Cap1 credit card division when I realized my checking account paid an auto payment of {$160.00}, {$50.00} OVER MIN pymt due & also made a {$210.00} payment, not realizing I had signed up for Auto Pay. I can't remember when I ever, ever bounced my checking account. However, I've been having issues remembering things in the last few years. I called Cap1 to see if they would send back the {$210.00} second payment made on XXXX 3rd.due date. The agent checked to see if he could reverse the payment or refund online, the way my bank, XXXX XXXX XXXX, paid the {$210.00} on the XXXX. He called my bank & we listened to what checks went thru & the {$210.00} & the {$160.00} auto pay both cleared. 
He then told me to call back he now would have to 'mail ' by check my already cleared money. A nasty lady got on the phone & said I would receive a check in the mail in XXXX days. Today, the XXXX of XXXX I received a 'letter ' saying they were sending the check thru the mail. 98 % of the time I NEVER receive the credit cards they send me & all for XXXX  % interest!!! HELP. I DoNot want to have Cap1. They always charge {$40.00} late fee even if it's XXXX minutes late, 29 % interest which I did NOT originally sign up with. I doubt I will ever see that check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted multiple disputed to XXXX, XXXX and Experian to remove several items from my consumer report and they are refusing to abide by my federal protected rights. Ive called XXXX multiple times they said they could not remove the security freeze they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed -Sent dispute letters XXXX XXXX and still have errors on my report 15 USC 1666b late payments from open ended credit plans cant be reported -Dispute was to remove the late payment which wasn't late but still have not fixed it 15 USC 1681 ( B ) must have written permission to furnish on my behalf -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages -Have n't been able to purchase a house due to error on my consumer report 15 USC 1681 ( a ) ( 4 ) right to privacy -Did not give consent to repost items to consumer report 15 USC 1681 ( b ) must follow reasonable procedures -Sent out unfreeze letter to XXXX multiple times and still wont unfreeze my account 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported -Items was reported that i used my social to obtain 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in 1000 for each violation
Product: Debt collection

multiple ( certified ) letters sent to company to verify this supposed debt per FCRA which is showing on my consumer credit reports. 

Discover has sent multiple invalid responses to my requested information per sections 609 and 611 of the FCRA. Company instead sent information on the opening of an account, a card sent, and sent statements. and in their words " considered '' this account valid. 

another certified letter was sent ( and received by Discover ) on XX/XX/21 asking for proper validation again including a copy of the supposed signed contract and the " other identifying information '' which they stated on their last validation letter. In addition, reminding them that I never gave consent ( per 15 U.S. Code 1681b ( 2 ) to furnish any of my personal information to anyone. This letter has not been responded to as of yet and information is still showing on my credit report
Product: Credit reporting or other personal consumer reports

Theres an error in how XXXX, XXXX and Equifax report information on my credit report. No debt valuation information is not properly investigated and nor is it being sent to creditors with full proper documentation. Disputes get updated an remain on report in the matter of hours. No proper investigation. Improper reporting. Now XXXX, XXXX and Equifax wont let me dispute items on my credit report.
Product: Credit reporting or other personal consumer reports

Money Lion Account : XXXX To Whom It May Concern : I am writing regarding your continued failure to properly verify this alleged debt despite years of correspondence and clear evidence of identity theft. This letter serves as my demand for proper verification under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). HISTORY OF NOTIFICATIONS AND INADEQUATE RESPONSES : Over the past XXXX, I have repeatedly : 1. Submitted police reports documenting identity theft 2. Provided FTC identity theft reports 3. Furnished data breach notification letters 4. Requested specific verification of the debt 5. Disputed this account with both your company and credit bureaus Your responses have been grossly inadequate and potentially in violation of federal law : - You claim verification using an email address you never possessed- You continue sending form letters via email despite instructions for mail correspondence - You provide account statements showing addresses where I have never resided - You show loan documents with only typed names, no signatures- You present payment histories showing zero payments ever made - You fail to provide any government-issued identification matching the loan address -You ignored my identify theft -You ignored my FTC Report- Why was I never Provided copies of ALL original account documents showing my actual signature- Why havent Ive provided how you verified my identity at account opening- Why Havent copies of any government ID collected at account opening been provided - Document how you validated the address used on statements- Explain why you ignored multiple identity theft reports LEGAL REQUIREMENTS FOR VERIFICATION : Under the FCRA and FDCPA, you must provide ACTUAL EVIDENCE 1. A copy of government-issued identification used at account opening that matches the address on statements 2. Original signed loan documents ( not just typed names ) 3. Proof that you verified the identity of the borrower at account opening 4. Evidence that you followed your standard fraud prevention protocols
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XXXX : XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX Equifax XXXX XXXX XXXX XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) is attempting to collect on a payday loan debt that was initiated through Cash Central, a licensed Credit Access Business ( CAB ) in Texas ; CAB meaning, Cash Central do not offere loans in Texas. The loan was arranged with XXXX XXXX XXXX XXXX, my lender, in the amount of {$2000.00} on XX/XX/2022. I have attempted on several occassions to reach my lender, in an effort to resolve this matter. I noly had one loan, but on my credit I am reflecting two loans totaling {$3300.00}, especially since payments was made on this loan. I was never told about another loan for {$590.00}, when ask to provide a Note or loans agreement, no one would furnish.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX Chief Compliance Officer COINBASE XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Case # 's XXXX, XXXX, XXXX, XXXX, XXXX I am writing to Coinbase to confirm that I have received no response to five messages requesting help for my account. Specifically, I made a wire transfer to Coinbase on XX/XX/20. Coinbase has never verified or confirmed receipt of funds. 
This is my second letter to your office to resolve this issue. Despite Coinbase 's receipt of wired funds, my portfolio still shows a {$0.00} balance. Coinbase continues to send me emails asking to choose a method of payment despite having already received wired funds to my account. Where is my money? 
From the time funds were transferred to Coinbase I have lost money on the trades/purchases I had intended to make upon Coinbase 's receipt of funds to my account. Where is your response? This level of customer service from a licensed broker-dealer is disgraceful. I trust at least one of my messages will be responded to in short order. 

XXXX XXXX XXXX XXXX : XXXX
Product: Mortgage

XX/XX/2013 my husband XXXX. A few months after his XXXX, I had an issue with my mortgage company because they started returning my checks to me that I sent in to make my mortgage payments. When I tried contacting the bank to find out what was wrong, they refused to speak to me because they said the mortgage was only in my husbands name. This was incorrect. When we refinanced, both myself and my husband were on the Deed and Mortgage, however, my husband was the only one on the Note. I had to go to surrogate court to get paperwork showing I was the testator of his estate and sent this along with his XXXX  certificate and a letter to Nationstar Mortgage ( n/k/a Mr. Cooper ). I had to resubmit this paperwork several times before someone at Nationstar finally spoke to me and let me know the problem was that my escrow account was short because the Town of XXXX had taken us off the star tax savings. I went to the Town and straightened out that problem, caught up with my payments and thought everything was okay. A few months later, Nationstar started returning my payments again and not speaking to me and forced me into foreclosure. I went to an attorney who tried to fix this problem. We went to court several times. I signed three different sets of modification loan closing settlement papers. During this process I was offered a loan modification which I agreed to ( even though they stated I owed about 20,000.00 MORE than what I actually owed at the time this all started ). I followed through with my obligations and made the payments on time. They would not accept the first closing package I signed because I crossed MY XXXX  HUSBAND 'S NAME OFF. How can a XXXX man sign? Then they started the same process over sending my payments back and forcing me in foreclosure. This is the situation I am in now FOR THE THIRD TIME! My attorney has given up and suggested I contact you. He can not get anywhere with this bank or their attorney. I NEED HELP AS SOON AS POSSIBLE! I have XXXX children and I am afraid of becoming homeless. I do not work because I am XXXX and we live on the XXXX benefits we receive from social security which barely covers the mortgage payment. I am desperate and need someone who can get this bank to do the right thing!!! I tried speaking with a mortgage counselor at XXXX here in XXXX and the same process as with my attorney happened there and they also gave up. Everyone just gives up. I don't know what to do!!!!
Product: Credit card or prepaid card

I have reported fraudulent activity to XXXX  through my credit card company, which is Capital One and I am still seeing fraudulent activity on my credit card statement. I filled a police report with XXXX XXXX Police Department and I have not been given the opportunity to provide a police report and an FTC report. I have spent the last two months trying to resolve this problem, and according to Capital One, no fraud was found on their end, which is incorrect, since I told them already my card was stolen along with my phone. I have called XXXX already and they keep on sending me to Capital One to fix the problem. 

Capital One approves people for a credit card, and they claim there is zero liability on fraudulent charges, but my card gets stolen and they just keep on transferring me from department to department, and they do not resolve anything. Capital One asked me to call XXXX to provide the police report to them so they stop charging my account, and they do not want to even speak about the subject. The thief created a fake account, with a fake email, fake phone number, and used my actual physical address to make these purchases and stole them from the front porch. 

The fake name used is XXXX XXXX, the fake email is XXXX and the fake phone number is XXXX. 

XXXX has been extremely negligent to not require a signature for packages delivered and not only that, but it is quite opportunistic from their end to keep on charging my account, when Capital One already reported the situation as fraud. 
Capital one is allowing these transactions to go through without giving me the opportunity to provide a police report and my FTC report. 
I will NOT pay for fraudulent purchases. 

XXXX needs to give me the opportunity to submit adequate documents, such as a criminal report and refund my account immediately. 

By law, as an identity theft victim, I have the right to have all fraudulent activity blocked upon submitting the appropriate documentation.
Product: Checking or savings account

An unauthorized transaction was made to my chime account on XX/XX/year>. I contacted chime regarding the charge and they reported the card lost and stolen and provided me with a virtual card while the replacement card come. I filed a dispute XX/XX/XXXX and today is XXXX XXXX and I yet to receive a refund regarding the unauthorized charge. I spoke to over XXXX reps an a supervisor and all of them stated that I will have a credit/rebuttal back to my account before or on XXXX XXXX. Every time it gets closer to the time frame the refund is supposed to come my dispute gets closed and I have to file a new one pushing the time frame back. I have filed over XXXX disputes regarding the same unauthorized transaction that was made and I have yet to receive my money. Everything I call they apologize and say its nothing they can do. I have never had this problem at a XXXX XXXX. I just want my money to my card
Product: Credit card

On XX/XX/XXXX, XXXX, and XXXX, XXXX, several banks ran hard inquiries to apply for credit cards or bank accounts that I never applied for. 

CAPITALONE XX/XX/XXXX XXXX, XXXX, and XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

I received a letter from Silverman Theologou LLP- the week ending XX/XX/XXXX  attempting to collect on an alleged debt on behalf of XXXX XXXX XXXX XXXX. 

I am demanding Silverman Theologou LLP provide the following : 1. ) Provide a certified copy of the original contract, signed by both me and an authorized XXXX XXXX XXXX XXXX employee. An affidavit of loss will not suffice. If they do not have the original contract in their possession, send me information on where the original contract is and when it can be viewed in person. 

2. ) XXXX XXXX XXXX XXXX is required by law to get my permission prior to releasing my personal and account information to a third-party. This was done without my consent, which voids the alleged contract. Silverman Theologou has no authority in this transaction and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

3. ) I want Silverman Theologou to produce the general account ledger statements showing the full accounting of the alleged debt. I am requesting, a signed affidavit by the person responsible for maintaining these records with first-hand knowledge as to the accuracy and authenticity of the general account ledger. 

4. ) Deliver proof their law firm is a party to the transaction. They seem to think they have a right to collect when their organization has never signed a contract with me and has never loaned me any money or credit. According to American Jurisprudence 2d 73 ; a third-party collector has no rights if they were not mentioned on the original contract or were any part of the contract; including loans transferred, assigned, sold, or changed hands in one manner or another.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.