23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is a continuation of a complaint # XXXX, The account was supposed to be closed by Wells-Fargo but today I received a statement fomr them showing that the account is still open with a zero balance. The WF account number is XXXX. Rtg # is XXXX. 

To reiterate the previous complaint, I did not open this account and did not authorize Wells-Fargo or anyone within their company to do so. I became aware of this accounts existence when WF sent a debit card to me. Since a debit card is of little use to a scammer unless some unsuspecting person deposits money in the account, I believe this is an extension of WF 's history of opening new accounts to receive bonuses even though the accounts were not authorized and the persons involved were unaware of this being done.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Payday loan, title loan, or personal loan

Big Picture Loans charged above the allowed amount of 16 % for the State Of Georgia.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX is still in violation of the federal FCRA law, by not correcting information in the data they send to the credit reporting agencies. This has been going on for over 90 days and has impact costs of tens of thousands of dollars of increased rate and monthly expenses. 
This account has always been on Auto Pay and therefore has always been paid on time. For XX/XX/year>XXXX XXXX XXXX XXXXXXXX are reporting a late notice ( 30 or 60 day ) to the credit agencies. That is not correct. There was some internal payment processing error on XXXX XXXX XXXX XXXXs side - a support person informed me of that -- and so it is there fault they didn't take a monthly amount correctly with their own Auto Pay system. 
Again, this account has always been on Auto Pay, and therefore has ALWAYS been paid on time. There should be no 30, or 60, or 90 day late notices. It should be marked and reported as always paid on time.
Product: Money transfer, virtual currency, or money service

I have an account on Coinbase.com owned by Coinbase Inc. 
I transferred XXXX BTC into my coinbase BTC wallet on the date XX/XX/2017 checking the transaction on the block chain confirms the transaction has been done successfully using Address : XXXX XXXX XXXX   XXXX but the BTC has not appeared on my account yet. 

I have filed a complaint ticket through coinbase support system Case # XXXX They have failed to resolve the issue as of today. 
On the phone they only let me know that this account has indeed been hacked. 
They have not given me any time frame as to when and how this issue will be resolve. 

Coinbase has put me on sever financial strain and stress over the past 2.5 months Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a credit investigation with Experian on XX/XX/XXXX. I was supposed to receive a response within 30 days, but I have not.
Product: Credit reporting or other personal consumer reports

I filed my first complaint to Experian Dispute Department on XX/XX/XXXX ( complaint number # XXXX ) listing all inaccurate personal information, inaccurate account information. ( an inaccurate credit report was sent to me still displaying the wrong information/ inaccurate account information, also some information that I never gave my permission to be given out to other entities. 
I filed my second complaint on XX/XX/XXXX ( sent registered mail ( omb # XXXX ) listing all inaccurate personal information, inaccurate account information. I never received any resolutions in response to my complaints. ( My current credit report currently is being published with inaccurate personal as well as multiply inaccurate account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX refuse to move public records off my credit report. I submitted my dispute on XXXX and Experian XXXX, and XXXX had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that Experian XXXX, and XXXX remove this public record off my credit report asap. My race and age is playing a big part of Experian XXXX, and XXXX unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. Experian XXXX, and XXXX is very XXXX and doesn't put accurate information on certain people credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX we paid XXXX XXXX for a credit card collection which the originator was XXXX XXXX Bank. XXXX XXXX reported it on XX/XX/XXXX as paid and settled and it was suppose to be removed as settled. We sent a letter stating it was to be removed to Experian for a rescore and they refused to take it and opened up a dispute on our account and said they could not update until XXXX XXXX sent it to them. Experian representatives- 6 people refused to call XXXX XXXXr to update it and I emailed the COO XXXX XXXX that his people refused to call XXXX XXXX to update for us. 
XXXX XXXX states they get calls all the time and they even took our permission to put Experian on the account and they still refused. We are in a National Crisis and these people are not willing to help anyone. 

The amount of the settlement was less than the balance, that is not the issue. It is Experian refuses to help anyone correct their credit report during a mortgage loan situation.
Product: Debt collection

sent by certified mail they keep telling me they wont re investigate experian is reporting a bankruptcy experian is not complying with the method verification and the fcra law or following the procedures required by law that protects me they are suppose to reveal such if information and if incorrect delete such information they keep telling me that they dont validate info and its already been validated ( Date ) ( Credit Bureau Name ) ( Credit Bureau Address ) RE : Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that [ insert name of creditor, collection agency, or court ] verified the account they are reporting is accurate. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX XXXX is unacceptable. I am requesting a re-investigation along with your method of verification. 

The item in question is inaccurate and represents a very serious reporting error. 

I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 

Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 

Regards, ( Your Full Name printed or typed ) ( Social security number ) ( Address )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX XXXXXXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

*******LICENSE AND FTC ID THEFT REPORT ATTACHED TO THIS REPORT FOR YOUR REVIEW******** INQUIRIES XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to se
ction 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a timeshare. Immediately after tried to cancel by phone and certified mail. Was delayed and dodged by company. When they got back to me told me I was 3 days late and couldnt cancel. They provided a change of terms by email. I agreed, they then would not answer the phone. Tell me I could only talk to one person. This person discriminated against me, ignored calls, text and emails. Then illegally added a fraud account to my credit. This company practices fraud through their sales process. I am attaching proof of emailed conversation. Sent to me twice and never corrected for 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the Fair Credit Reporting Act, XXXX account number XXXX. 
XXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXXt account number XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX. 
XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX Has violated my rights 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting and Lack of Accountability Dear Consumer Financial Protection Bureau, I am filing this complaint to request your assistance in resolving ongoing issues with my credit reports and the mismanagement of my credit score by credit reporting agencies and creditors. 

Despite maintaining a spotless payment history across all my accounts, paying balances well before their due dates, and consistently staying within my credit limits, my credit score has inexplicably dropped. I have made repeated efforts to resolve this issue with the following companies : Credit Reporting Agencies : XXXX, XXXX, Experian, FICO Creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unfortunately, my complaints have been met with deflection and denial of responsibility, leaving me without clear answers or a resolution. This mismanagement is directly affecting my financial reputation and opportunities. 

To address this, I am requesting : A comprehensive review of my credit reports across all bureaus. 
The correction of any errors or inaccurate entries. 
Accountability for ensuring accurate and transparent credit scoring practices. 
I am providing detailed records of my communications with the above companies and my credit reports for your review. 

I trust that the CFPB will act as an advocate to enforce accountability and protect consumers like me from systemic negligence and harm. 

Thank you for your time and attention. I look forward to your support in resolving this matter.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a loan with XXXX that went into collections with Plaza Services supposedly in XX/XX/2020 I didnt know anything about this until it showed up on my credit report in XXXX. I tried all XXXX to get in touch with them and could not and today I finally did and they have transferred the account to XXXX XXXX XXXX so I called them today to get the account number to set up a payment plan and she threatened me and said if I didnt pay it all today I would be sued and they had the paperwork ready. I informed her I was not going to do that and hung up. I then got on their website and emailed them to get the account number which they complied and I made XXXX dollar payment, they continue to send me letters demanding the whole amount immediately.
Product: Credit card or prepaid card

As XXXX XXXX for over 22 years to current, I have managed to maintain good to excellent credit as my XXXX XXXX  requires it. In XXXX  my personal information was exposed in the XXXX breach, following that, within XXXX I have had 4 credit cards maxed out with charges I did not make, all charges were said to have been made online to a gaming company. I disputed the charges explaining, ( logic  ) who in there right mind would spend over {$40.00} in 6 months playing online games, further more I was on XXXX XXXX XXXX in an austere location disconnected from the XXXX XXXX XXXX. None the less the card companies said they investigated and the charges are valid. I refused to pay for charges i did not make and as a result the cards were charged off and sent to collection. These charge off are adversly affecting my credit report and i would like some assistance correcting what is clearly not my doing.
Product: Mortgage

Loancare Credit Bureau Disputes : I spoke with one of your agents and he requested that I send detailed information about my case. I will provide as much details as possible. I have tried my best to keep open communications so that there is no confusion. 

In XXXX I really started to feel the effects of XXXX  because my household contracted the XXXX 3 times, I was out of work for 3 months and my side business went to nothing. I applied to my mortgage company XXXX XXXX  for covid relief help which wasnt much just extra time. My credit score at this time is close to 800. 

I was pretty much forced to refinance my home back in XXXX with XXXX XXXX XXXX  to catch up and get some equity cash out for repairs and upgrades. I went from a XXXX interest rate to a XXXX interest rate and had to pay a $ XXXX VA funding fee that they promises would be 100 % tax deductible. I checked and irs said yes as long as I claimed it that same year. This came about and I find out the tax laws changed and I do not get this back. 

Between XXXX and XXXX my mortgage was sold to XXXX XXXX  and all this time I am in great communications with XXXX XXXX  and XXXX XXXX. They both promised me in writing and verbally that I would not be reported to the credit agency as I was actively coming current with the arrearage amount. This is about the time my mortgage was sold yet again to loancare and at this point I am so confused beyond comprehension. During my attempt to get this loan current I attempted to contact loancare to pay my mortgage for 3 months and kept getting told this mortgage has not been boarded yet and to call back. For 3 months this was happening. 

This brings us to current day. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am now at 5 % XXXX  and still working through this to try and come current. I could bring this mortgage current if my credit wasnt reported by loancare as delinquent and my score went from almost 800 to XXXX. I have about {$200000.00} in equity that I can tap into with a HELOC or a loan that will bring me current and let me enjoy the low interest rate I deserve. I beg you to help be with this credit situation and honor the other 2 servicers promise to not hurt my credit. 

I have worked hard to keep my family and my home intact through a lot adversity. This has come to the brink of ruining a marriage, my health, and my trust and faith in the country that is supposed to be for the hard working honest, and good people that deserve to take care of their loved ones. I kept this as short as I could so not to bog you down with a lot of reading, I could say more. If you have any questions for me I am very open to direct communications. Please Help!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 usc. 1681 XXXX XXXX XXXX XXXX  opened XXXX XXXX, XXXX amount {$1100.00} as of XX/XX/XXXX has violated my rights 15 usc. 1681 section 602 A states i have the right to privacy. 15 usc. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish a account without written instructions, 15 usc 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. 15 usc. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasoning cause to believe that the information is inaccurate.
Product: Debt collection

My name is XXXX XXXX and I am inquiring about an account thats noted on my XXXX Credit Report. I have called XXXX  to inquire about that account and they gave me your info to contact you. I then contacted your bank and they have no info on the account and what it pertains to. It is critical that I obtain written confirmation saying that account isnt mine or whatnot from you in order to removed it from my credit report. May you please respond back as soon as conveniently possible. My XXXX XXXX husband is getting XXXX soon and its vital that we close on this pending house for our children and I so that he can be at peace while hes XXXX. We have been calling around to find out more about that account thats opened under my name because I have no recollection of ever opening an account with XXXX XXXXXXXX XXXX. Thank you so much for your time.
Product: Mortgage

Our Mortgage payment with XXXXXXXX XXXXXXXX and transfers with out out permission to Roundpoint mortgage services..Roundpoint says we have a Mortgage balance {$9300.00}. We request where we missed payment after flagstar bank did modification .No answers. Now we paid {$9200.00} extra payment. On Our previous complaint Roundpoint reply wrong informations.reply and attachments are not for our request.we paid XX/XX/XXXX XXXX payment still asking XXXX payment again balance .we request personal appointment to show documents and explanation and Denied.