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

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding the repeated attempts. Despite my numerous efforts to resolve this matter, the problem remains unresolved, causing significant inconvenience and distress. 

The late open accounts issue has had a negative impact on my financial stability and credit score. I have faced undue stress and financial setbacks as a result of this unresolved problem, which should have been addressed promptly and efficiently. I have made timely payments and fulfilled all obligations on my end, and it is disheartening to see that my efforts have not been reciprocated. 

I am formally requesting the following actions to be taken promptly : Immediate correction of the late open accounts on my credit report to accurately reflect my payment history and prevent any further damage to my credit score. 
A written confirmation of the resolution, including the date when the correction was made. 
An apology for the inconvenience and stress caused by the repeated failures to address this issue in a timely manner. 
I understand that mistakes can happen, but I believe it is only fair that your company takes responsibility for its errors and takes the necessary steps to rectify them. I trust that this matter will be resolved promptly, as it is in both of our interests to ensure the accuracy of my credit report. 

I sincerely hope that it does not come to that, and I look forward to a swift resolution of this matter. You can reach me at [ your phone number ] or [ your email address ] if you require any additional information or clarification. I am asking for your immediate assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed :. {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and TransUnion are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature with XXXX and XXXX inquiry on file of the account # XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion, XXXX  and XXXX  is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. FTC Report attached, Delete XXXX inquiry and XXXX account immediately.
Product: Credit card

The XXXX redirected this complaint to the CFPB. On XX/XX/2024, I attempted to charge my PenFed credit card less than {$100.00} to renew my XXXX registration and was wrongfully declined. My attempt to obtain redress from PenFed directly failed. Since my account is and always has been in good standing with {$5000.00} available credit line, the only explanation I can consider at this time is that PenFed unilaterally changed the terms of my account without notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Ref. XXXX XXXX Account XXXX XXXX On XX/XX/XXXX at XXXX XXXX I paid the total amount due at the time, via phone, the customer service rep told me everything was fine and my next payment will be on XX/XX/XXXX. I specifically asked when was my next payment. ( Payment was made on XX/XX/XXXX their system reflects it on XX/XX/XXXX ). 

Unfortunately, they reported me on XX/XX/XXXX ( minus XXXX points on my score, this will appear on my records for 7 years ) on a Saturday, they were closed already. The information provided by the customer service rep was inaccurate and misleading as they did not say I was getting reported even though I paid. And I was reported after I paid. I placed a complaint through Experian and they said the information was correct. If they cant return my points at least they have to say the true and add a note saying that they reported me after the account was paid. They damaged my credit, they do not address this issue either as I contacted them several times and they told me they were working on it, they were not they simple added more damage saying that their info was correct. I cant emphasize this enough they reported me even though the account was paid, they reported me after I paid. The information is not correct since they are not even making a note in my records telling that account was paid on XX/XX/XXXX however XXXX reported it on XX/XX/XXXX, at least they have to give me that. Because Thats the true. 

This was a loan for the education of my son, he is a special needs person. This is causing him tremendous stress, the past 2 years are been very difficult and the last thing we needed is something like this. He is dealing with XXXX and XXXX. XXXX actions were unnecessary, a total lack of respect for a customer and a display of an institution doing what they want without any regards for their customers or peoples lives. We are more than a number, we are people dealing with many different issues and regardless of that we ALWAYS paid. The account was paid, however they reported me because they have the power to do so. 

Enclosed are copies of my records ( phone call record when I made the payment, payment, credit report ). 

I look forward to your reply and a resolution to my problem and will wait before seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or by phone at XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : BULL CITY FINANCIAL SOLUTIONS- # # # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX # # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX # # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX XXXX # # # XXXX, BULL CITY FINANCIAL SOLUTIONS- XXXX XXXX XXXX XXXX # # XXXX, XXXX XXXXXXXX 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

On XX/XX/2018 I sent notices to ALL 3 credit reporting agencies advise that I am a victim of identity theft. I request that a alert be please on my credit, fraudulent address and that all the account relates to my identity theft be removed from my credit report. I provide a police an affidavit and a list of fraudulent account with dates and details. I also sent this information to the creditor listed on my report. As of today only one account has been removed. I have exhausted all options at this point. This situation has already been tough enough, as a feel extremely victimized, but now to have to fight to have items that do not belong to me removed is a bit ridiculously. 
The credit reporting agency sent me back letter stating that the account are verified, Im constantly stressed to know someone has and currently is using my personal information. 

The accounts are listed on the attach police report
Product: Credit reporting, credit repair services, or other personal consumer reports

State Collection removed wrong information on my credit report. Report # XXXX Since XX/XX/XXXX I have been waiting for my score too reflect that which before this error my credit score was ( XXXX ). Need Too Update All 3 Credit Agencies. 
They fixed a previous problem in 24 hrs. I have a new Mortgage credit check inquiry starting XX/XX/XXXX. 
This is Crucial too get this made correct. Thanks XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information XXXX XXXX XXXX reporting on my XXXX  credit report ( report # XXXX, dated XX/XX/XXXX ) is false and inaccurate. 

1. XXXX XXXX XXXX is reporting the account Status as Petition for Chapter XXXX Bankruptcy. This is not correct. I sought Chapter XXXX on XX/XX/XXXX. My Chapter XXXX was DISCHARGED on XX/XX/XXXX. I am no longer in bankruptcy. 

2. XXXX XXXX XXXX is reporting the Account History as Charge Off. This is not correct. This account was Paid-in-Full {$7900.00} by the Bankruptcy Trustee, XXXX XXXX XXXX, XXXX. 

3. XXXX XXXX XXXX is reporting the Account History that I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. This is absolutely false. 

I previously filed a Consumer Financial Protection Bureau ( CFPB ) complaint, ( CFPB Complaint # XXXX ). XXXX XXXX XXXX response stated they were to correct the inaccurate and false information, ( AUD Control Number : XXXX ). However, XXXX XXXX XXXX has failed to properly do so as XXXX   continues to report falsehoods.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian 15 U.S.C, 1681section 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 instructions. 15 U.S.C 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 than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed I had some fraudulent accounts on my credit report. Please remove these fraudulent accounts from my credit report. These fraudulent accounts are hurting my credit score and preventing my ability to buy a home.
Product: Mortgage

Starting in XX/XX/XXXX and thru XX/XX/XXXX, Homepoint erroneously ACH a greater amount ( {$420.00} more ) than the agreed mortgage payment. They said it was to purchase Lender 's insurance due to our failure to provide evidence of coverage. It has come to light that they made an error. Their insurance department had confirmed that all the paperwork was in order, and there was no lapse in coverage and it was the mortgage 's company 's error. Over a period of 6 months, they withdrew {$2300.00} from my checking account, and after admission of their mistakes, they finally refunded me {$1300.00}. They still owe me {$1000.00}, which I once again contacted them. Homepoint acknowledged that this {$1000.00} was due to a lender 's policy for XX/XX/XXXX they bought under the wrong account in error. Every time I call, I had to recap the issues over and over again and kept getting the run around. I finally spoke with XXXX who is a supervisor at ext XXXX and he said that the company that they no longer work with the company whom they purchased this policy from and that it may take a while to get the money back on my behalf. This is clearly an error they made and should return my money while they try to recoup. Why should I be the one out of pocket for their error? I demand a refund of the {$1000.00} that I am owed.
Product: Credit reporting

I have a bankruptcy on my credit report ( XXXX ). The only credit reporting agency that would not agree to fix my issue was equifax. The bankruptcy was never discharged. My discharge was withheld for failure to submit certification of instructional course for personal financial management. The case is reporting in accurately. I have spoken to many people over the last 3 months including supervisors. I have also been transferred to the office of consumer affairs and spoke to the supervisor their also and still received the same issue. I spoke to the bankruptcy court and they verify what is being reported and say that my bankruptcy was not discharged. I have submitted over XXXX documents to prove my information is reporting inaccurately and im still dealing with issues.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I received an email from from Coinbase telling that my purchase for 1 ETH placed on XX/XX/2018 was reversed by my bank. This was in the amount of {$620.00}. This amount was deducted from my Coinbase account which left my account with a negative balance. I immediately paid this negative balance of {$620.00} to keep my account in good standing. I also called my bank ( XXXX XXXX  ) to ask why this reversal was initiated because I did not request a reversal. XXXX XXXX  told me they did not request a reversal and don't have any record of this request being made. I have yet to receive this reversal back to my XXXX XXXX  account even though it was deducted from my Coinbase account. 

This reversal caused my Coinbase account to be suspended. During this time I had 3 pending transactions going from my XXXX XXXX account to my Coinbase account. 1 in the amount of {$420.00} placed on XX/XX/18, 1 in the amount of {$420.00} placed on XX/XX/18, and 1 in the amount of {$500.00} placed on XX/XX/18. All 3 of these pending transactions were canceled by Coinbase. All this money was deducted from my XXXX XXXX  account. It was never returned to me. With each of these transactions I received an email from Coinbase stating that the money will be returned to my bank within 3-4 business days. It never was. Neither was the mysterious reversal for {$620.00}. There was another canceled pending transaction that was sent from my Credit Union not my XXXX XXXX   account that I did get back. That one was in the amount of {$1500.00}. I'm mentioning this one so the emails I've attached make sense. I don't have any issues with the {$1500.00} cancellation. It's been credited. 

I spent several hours between phone calls and detailed emails trying to explain my situation to Coinbase. Phone calls were escalated to a specialist. Then I would wait over a month to get a reply. When I did get a reply I was told to try calling again in 60 days. After 60 days I was told to call again in 30 days. Nobody would look into the problem and try to fix it. In the end I received an email telling me to file a claim with my bank. I contacted XXXX  XXXX  on XX/XX/18 to see if they can help me. I called today for an update from XXXX XXXX and their answer was they are still waiting on Coinbase to get back to them. This was on XX/XX/18. I have yet to see any of this money sent back to my XXXX XXXX account. I have detailed emails and bank statements that can easily back up my complaint. Coinbase owes me {$1900.00} and I don't know how to get this money back. I'm really hoping you can help me out. Thank you for any help with this.
Product: Money transfer, virtual currency, or money service

I made a deposit of XXXX with Abra in XX/XX/2021. The company Abra, claims that the money was rejected due to consumer protection and that the transaction was cancelled. However the funds were never returned to my banking institution. I contacted them multiple times and they insist that they rejected the transaction and to contact my bank. The funds were never returned or refunded. They kept my money and froze my account with them for no reason. I contacted my bank to retrieve the funds however they have not had luck in retrieving my funds either.
Product: Student loan

In XXXX, I co-signed a {$8000.00} student loan for my daughter. Until this month ( XX/XX/XXXX ), I never received any kind of statement. I was surprised to see that they started charging fees in XXXX. Also, they have started calling me relentlessly, although my daughter pays them, but she is sometimes late. Now they act like I'm the sole contact. I feel harassed. I've paid only a few times to help my daughter out. But I requested a history of the loan last month. I feel the fees and interest are excessive. It seems the loan does not diminish and they call and say the loan is past due even when I've sent 2 payments. It's always " the account is past due ''. I believe they're being deceptive. How could I know if I did not receive statements as co-owner of this loan?
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as 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 request that my name be updated to reflect the correctinformation. 

2. Address : My current residential address is XXXX XXXX XXXX. XXXX XXXX. XXXX, FL XXXX but my credit report shows an outdated address as XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. I request that my current address be updated accordingly. 

3. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX ) XXXX. I request that employer be updated to reflect the correct information. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : Acopy of my driver 's license or passport displaying my correct name. 
Arecent utility bill or bank statement showing my current address and current Employer. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX are reporting several inaccuracies with the reporting of address and information from several accounts. First under the consumer protection act 15 USC 1681 e ( b ) Accuracy of Report 15 USC 1681i ( 5 ) Treatment of inaccurate or Unverifiable Information. All of the information should be deleted. I have one address that I want only one address on record which is XXXX XXXX XXXX XXXX, TX XXXX I do not wish to have any telephone numbers on my report. 
Please remove all the addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA since they are inaccurate. 

XXXX XXXX  XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX are fictious at best and are not on a map in the world XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX is not my address and I want it removed I have asked several times about all of these inaccuracies to be removed. I have review my credit report across all of the platforms and most of the information is falsely reported and should be removed late payments, amounts owned and dates opened, charged off and open accounts.
Product: Credit card

I was surprised when i received the unwanted credit card out of blue which i did not even apply for it. I thought it was because of my good credit score which I have always kept intact and started using it. One fine day when I came back from my vacation it was all used of and it went to collections by my surprise and I have reached out the bankers to get help and they made me pay some minimal amount to get me on track. It did seriously affect my credit score.
Product: Mortgage

We purchased a home on XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. At the time, we put 10 % down of the asking price and were accordingly assessed a PMI of {$81.00} per month. 
On XX/XX/XXXX, we paid down the cost of the loan so that it is below 78 % of the original value of the home. According to the Homeowners Protection Act, the bank should automatically cancel the PMI. The current lender is NewRez and the loan number XXXX. The bank refuses to cancel the PMI claiming that XXXX XXXX is somehow involved in the loan ( they are their backer in the words of the associate ) and XXXX XXXX refuses to cancel the PMI and requests an appraisal on the property. We have two issues with this : 1 ) According to the Homeowners Protection Act, the PMI cancellation should be automatic upon reaching 78 % of the original value ; asking for an appraisal is not right 2 ) At no point in time XXXX XXXX has been a part of our loan process - why are they involved now? Our original mortgage was with XXXX XXXX, and subsequently sold several times to various lenders as part of whatever loan packaging they do. 
According to the XXXX XXXX website lookup, they do not own our loan. 
We want the cancellation of the PMI as we have fulfilled our obligations under the Homeowners Protection Act. Please, help!
Product: Debt collection

ispute Reason : Violation of My Rights Under 15 USC 1692g I received an email from your company onXXXX and the very next day XXXX, you placed this item on my credit report without giving me a chance to respond, which is a violation of my rights. According to 15 USC 1692g 809 ( b ), I am well within my rights to request this information. The statute states : ( a ) Notice of Debt ; Contents : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
Violation : Your agency did not send me a letter informing me of the debt. According to the statute, I have the right to a 30-day notice period which begins the day I become aware of the debt, in this case, the day I saw it on my credit report.