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

XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which  is detailed as follows ; XXXX XXXX  Last reported XX/XX/XXXX {$22000.00} Reported balance XXXX XXXX Last reported XX/XX/XXXX {$1200.00} Open balance XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Open balance XXXX XXXX   Last reported XX/XX/XXXX {$190.00} Open balance XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX never allow me to get reports online. They ask questions online to verify my identity that have no relation to me. I have tried to get reports mailed to me to dispute but have been in vane.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management is reporting on my credit report, they misrepresented the character /legal status of the debt, they ruined my credit rating, used unfair means to collect the debt including calling me at work when asked not to, until I felt I had to pay it to stop them from harassing me. I paid the debt through XXXX XXXX XXXX. They are still reporting on my credit reports as a paid collection which is still ruining my credit rating. They are not even the original owners of the debt and have no contract bearing my signature, therefore has no right to report anything on my credit reports. They violated the FDCPA when they harassed me by calling me at work and home on a routine basis until XXXX XXXX XXXX got involved.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX To Whom It May Concern : I am writing to dispute the accuracy of information on my student loan account. According to my records, there is an error on my account that I would like to have corrected. 
I have attached copies of my loan statements and other relevant documentation that support my claim. 
I have already contacted my loan servicer DPT ED/ AIDV to attempt to resolve this matter, but have been unsuccessful. I am now seeking your assistance in correcting this error and ensuring that my credit report reflects accurate information. 
I request that you investigate this matter and take appropriate action to correct any inaccuracies. I also request that you inform me in writing of the results of your investigation. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit card

USAA my credit card issuer put a hold on my travel reward points because I exceeded my credit limit on my card. I pay my credit card in full every month- I do not carry a credit balance month to month. My payment was not late. I made a wire transfer to clear some of the balance but it has not hit their account so the hold is now going on day two. How do they have the right to seize reward points I have already earned? I pay my balance in full every month and reward points are earned on the prior months balance. From a financial viewpoint I have earned the points but from a practical standpoint USAA has seized my assets ( reward points ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Here we go AGAIN with XXXX XXXX, XXXX, and XXXX, otherwise known as XXXX, Equifax, and XXXX!! 

While one company corrects the false information reported, they put other old information they had once removed back on there or their XXXX XXXX counterpart puts it back on their site and instead of my score going up like it should it continues to go down which makes NO SENSE!! Their explanation to me is Pay your bills on time blah blah blah except this is from accounts that are either not mine or from accounts that have been closed for 8 years and were paid 100 % on time.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was trying to obtain a loan modification with Select Portfolio Servicing, but they did not consider all the necessary documents to make a decision. I submitted my W-2 and tax returns, yet they declined my request with options that are not feasible and aggressive. They are also missing other documents, such as the XXXX XXXX for Mortgage XXXX XXXX XXXX and other documents.

I feel that this company is not doing its job correctly ; they seem more focused on collecting money rather than considering the best interests of their customers. Last year, they failed to pay my property taxes, and I have the proof of delinquency notice from the county for non-payment of those taxes.

I am looking to modify my mortgage properly and explore available options. I dont want to go back and forth like I did with the tax situation. By the end of the year, I will catch up on my payments as they currently stand. It would be best if we could modify my mortgage to a 40-year term to achieve a more manageable payment amount. With this modification, I would be able to pay down the balance over time with regular monthly payments.

However, they are unwilling to work with me on these terms. Currently, they have a payment program that results in a larger balloon payment at the end of 3 or 6 months. Their practices seem aggressive and beneficial only to them, not to their customers. Additionally, I noticed that during a recent call, they inquired about my background, which I found concerning. I am willing to negotiate, but their practices raise questions.
Product: Checking or savings account

Well, Chase bank put a hold on my accounts XX/XX/22 and I was keeping in touch with them, the Sender and partners of mine Went and Had representative to Provide what the Bank was asking, the bank told them that they would close them out and send me the checks for my personal and business account Got Your Back and I havent received anything and i recently wrote them online and their not Responding. I want my Funds that were in the accounts. I can not let them get away from Robbing me just like its Bad to Rob Banks, Bad for Banks to Rob Customers!
Product: Money transfer, virtual currency, or money service

I have been unable to access my cryptocurrency funds for several years due to Coinbases refusal to support my account or provide assistance, despite having all the necessary information. 

The issue stems from a transaction sent from my XXXX account to my XXXX XXXX on Coinbase. The transaction was mistakenly conducted on the XXXX ( XXXX XXXX XXXX ), when it should have been done on the XXXX chain. 

The transaction was successfully completed, and I can still see my funds, including {$1100.00} of my own funds, as well as {$13000.00} of my parents ' funds, floating in the wallet. Despite this, Coinbase refuses to help me recover access to them. I have the exact amount for my parents lump some, but for now will upload my personal documents, and hopefully we can combine the process considering it is around {$15000.00}. 

I am fully capable of verifying my ownership of these assets and have consistently provided the required details, including my account address and proof of identification. 

Coinbase 100 % has the technical capability to assist methey can import my private keys to a wallet such as XXXX or another compatible platform to restore access to my funds. Even though the funds are stored in their custodial wallet, Coinbases systems allow them to access the private keys associated with my wallet and use them to facilitate recovery. In other words, they can help me import the private keys associated with my XXXXXXXX XXXXXXXX to an external wallet like XXXX, granting me direct control over my assets. 

However, despite this technical ability, Coinbase has chosen not to provide the necessary support to help me recover my funds. This refusal does not appear to be based on any legitimate security concerns or regulatory restrictions, but rather an arbitrary decision to withhold assistance, even when I am entitled to access my own assets. As a result, I have been left without recourse for resolving this issue, which has caused significant financial distress, including for my parents. 

https : XXXX
Product: Debt collection

On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and XXXX XXXX has ignored any attempt that I have made to rectify the problem, the debt is for {$6200.00} I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccurate late payment records. These mistakes do not match my payment habits. Kindly address this and update my account.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX  : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX, AZ XXXX XX/XX/XXXX MOHELA/DOFED XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX/XX/XX/XXXXXXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX FIN XXXX XXXX XXXX : {$0.00} XXXX BANK XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  FINCL XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK NA XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX HARD I XX/XX/XXXX
Product: Mortgage

On XX/XX/2021 I had to sign over our deed back over to Vanderbilt Mortgage. After I and XXXX asked for a loan to improve the house for placing an foundation under our house mobile home to improve the value of the property from XXXX to the estimated price of XXXX the mortgage is making us pay. Now we are having to get evicted from the home we dearly love on XXXX. We're having to go to court for eviction on XXXX. We have nowhere to go and we just now received a letter from XXXX XXXX XXXX XXXX Representative of Vanderbilt Mortgage on XXXX which was mailed out to us on XXXXto try to help us find a place to move to if indeed and I are evicted today!? Please help us with this issue and matter okay? Thank you very much for your help and assistance in this matter of grave importance.
Product: Vehicle loan or lease

I called the company today on XX/XX/2023 and spoke to a representative who refused to give me her name. I requested information on the payment history and she said she can not give me any information except I owe {$440.00} on XX/XX/2023 and a payment was made on XX/XX/2023. I requested to know when the payment had been made and why I did not receive an email. She said I can not give you any information. I am confused why I am still locked out of my account as a main borrower on the loan. I have also submitted a local police report on Ally Auto for breeching my privacy.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligations under the fair credit reporting Act. ( FCRA ) to conduct a reasonable re-investigation of the disputed information on my credit report, leaving in accurate or unverifiable account unresolved. Consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately modify consumers of dispute outcomes. These filler align with. My experiences. Were Experian need corrected or removed disputed items despite the evidence I have provided, wasnt ongoing harm to my credit standing. Im requesting immediate corrective Action to remove or to amend disputed accounts as experian in action violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Attaching FTC Identity theft affidavit for account number XXXX. This account has been blocked by XXXX already. Dispute with XXXX and XXXX is still on going. This statement along with my FTC Report XXXX. XXXX should be considered in your fair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and found fraudulent accounts on my credit report. I know for a fact that I have been a victim of identity theft. I have not authorized or open any of these accounts. There has been car loans opened in my name as well as utility accounts, credit cards, and cell phones. I have contacted each one of the companies, and each credit reporting agency about this. The fraud accounts that are showing on my credit report are as follows : XXXX XXXX XXXXXXXX {$360.00} XXXX XXXX {$7800.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$4500.00} XXXX XXXX {$15000.00}
Product: Credit card or prepaid card

I overpaid a bill in the amount of {$27000.00} associated with a balance transfer program at Bank of America. My account was charged the {$27000.00} BUT I NEVER RECEIVED THE FUNDS. 

I was told by four people at Bank of America, INCLUDING THE OFFICE OF THE CEO, that the funds were to be deposited into my checking account on Monday, XX/XX/XXXX ... the funds never arrived. This is despite struggling with the issue for 3 weeks. 

Phone calls at Bank of America went unreturned. To add insult to injury, I was harassed for payment and late fees on money I never received. 

This ordeal went on for over 3 weeks and it was escalated to the CEO 's office. Not even they would return my call ( s ) and was given endless excuses. 

This has been a lesson in consumer abuse in mistreatment. BAC has my fees and has dinged my account but the monies are not there. So desperate, I am reaching out to regulators
Product: Credit card or prepaid card

Synchrony Bank reduced the credit limits on my cards without notice to me. I called and was informed that I'd be receiving a letter outlining why this action was taken. I asked for the contact information for Synchrony corporate and was told by several supervisor 's that there wasn't a number to call because corporate doesn't want upset consumers contacting them. Because Synchrony reduce my credit limits by more than half it reduced my credit score by a large margin. The one letter I received stated my limits were reduced because I didn't have a verified estate loan. I've always paid my bills on time, never missed any  payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau Equifax has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXXXXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXt has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

My loan was managed by XXXX which I made payments to regularly. And since a week ago a campaign of annoying calls not leaving messages, from unidentifiable sources and not explaining the reasons of the harrasing calls for hours a Day were made by a company Called Navient or XXXX, I called them and they are asking me to pay them further more threatening me with collection and legal lawsuit, for what they claim is a XXXX dollars payment. 

Not only this sound like a scam, all my automatic payments are set to my loan providers in file, I have never been informed of any new loan provider and I have let them know they need to properly have the old loan provide to inform in writing who the new loan service provider are. 
How would it be possible to identify who your student loan providers are when they pass it around without care. 
My loan provider was my bank XXXX XXXX whom we have business with the reason we sought a loan with them to abound the endless scamming that goes around when one is only trying to study and improve one life. 

Please set an example against this predatory and hassaring behavioir for once. 

Should you require further information please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I was told I could consolidate my loans. Spoke with people on email and phone to make one time payment to get the loans consolidated. They took the money and said to stop answering calls form student loan places. I believed they were reputable. After checking back in on the fact i have n't heard from them, all emails were no longer viable and i could not find any website or place to get a hold of someone.
Product: Debt collection

I have never had an account with this company XXXX  XXXX. IC SYSTEM, INC. REMOVE from all credit agencies from reporting. 2. consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3. This letter is according to 15 U.S. Code 1692c ( c ) Ceasing communication 4. I am the consumer mentioned in 15 U.S. Code 1692a ( 3 ) You are IC SYSTEM, INC. the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. Code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all further efforts under 15 U.S. Code 1692c ( c ) ( 1 ) 5. I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ), ( 2 ), and ( 4 ) 6. According to 15 U.S. Code 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8. As mentioned in the 15 U.S. Code 1692f Unfair practices ( 8 ) 9. Under 1692g ( b ) the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter for any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply concerning information disclosed to any person related by common ownership or affiliated by corporate control, based on the above information, IC SYSTEM, INC. is in violation of the U.S. Code 1692 and 1681.