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

Re : Formal Compliant against Syncb/Chevron and XXXX To Whom it May Concern : This is a formal compliant against both the Creditor Syncb/Chevron and Credit Bureau XXXX, as both has failed to respond to my dispute letters addressing the inaccuracies of reporting negative items. On XX/XX/XXXX, The initial certified letter was sent to Syncb/Chevron and delivered on XX/XX/XXXX signed by employee XXXX XXXX. Syncb/Chevron has violated FCRA & FDCPA laws and failed to respond within 30 days of receipt of this certified letter. The second certified letter was sent on XX/XX/XXXX to readdress the inaccurate reporting that is listed on my credit file with XXXX, once again this letter was delivered and signed for by an employee. Syncb/Chevron has failed to respond within 30 days to this certified letter, and has again violated laws as mentioned previous. After Chevron failed to respond, I sent a dispute letter to XXXX to address inaccurate reporting listed on my credit file on XX/XX/XXXX, as it was delivered on XX/XX/XXXX and signed by XXXX XXXX. XXXX has yet to send any type of correspondence within 30 days as expected by FCRA laws. And, has continually report negative items on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked this company several times to correct the personal information on my credit report. It has been such a struggle to get them to report the correct information. You continue to report addresses to my profile that i have not lived at. I will attach again the only and proper name, and address that should read on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my only employer. 
Please correct this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze with Experian some time ago. At the time, Experian did not require an online account to place the freeze and simply gave me a PIN number to unlock the freeze. Yesterday I went to unlock the freeze for a mortgage application and was told that I would have to create an account to do so. I tried to create an account, but it did not work. I called Experian and was able to lift the freeze through their automated phone system. However, today when my mortgage broker tried to run a credit report, it said Experian was still frozen. I have tried to call Experian numerous times to speak with a human or solve my problem. However, I can not find any way to speak with anyone about this and have no idea how to solve this problem. My wife and I are close to missing out in being able to make an offer on our dream home because of this. We're very upset about it.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The information you provided is different from other bureaus. This account is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Also, please reinvestigate the whole information especially the account type, account status, payment status, comments, and payment history. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got an alert on my credit report that my address has been changed and a XXXX credit card was used to make {$3600.00} in purchases from online that I never spent. The bank wouldnt give me any information. They did give me a phone number associated with my credit card and an email address that was changed using their website. Someone has my social security number and logged into my account changing all of my information to make these purchases. I never received a bill nor did I make purchases. I filed a police report and sent it to the bank. They still said it was my debt! I need help. Someone has my social security number
Product: Mortgage

I have been attempting to complete a short sale of my home for many months. Although once approved, the buyer 's lender backed out and declined to extend financing to the buyer based on the repairs required to my home. I did receive a new cash offer, but it was lower than the prior offer. My short sale agents reached out to FHA directly to discuss the value and condition of the home. We were advised by FHA directly that their value estimate actually increased from $ XXXX to $ XXXX and that they would require an offer netting above 84 % of the new, increased value when my agents corresponded with their representative, XXXX XXXX, as of XX/XX/2020. The buyer was immediately countered, accepted an offer meeting the FHA required minimum net proceeds, and all paperwork processed to provide the servicer and FHA the offer as of XX/XX/2020. The servicer 's representative, XXXX XXXX, advise us on XX/XX/2020 that my property has not been eligible for a short sale since XX/XX/2020. This is not anywhere near consistent with what FHA advised us.
Product: Money transfer, virtual currency, or money service

My Coinbase account was compromised on XX/XX/2021via a SIM Swap and stolen email. My email account was stolen and 2fa was changed so I can never get the email associated with my account back. 
I tried to report the SIM swap to Coinbase via phone and by creating a support ticket but responses were apparently routed to the stolen email account. I have created tickets with my current email account that was not stolen and have received responses that a specialist would contact me in 4-5 days. It has been 2 1/2 months and I have received nothing but form email responses. I have tried opening multiple tickets and they get consolidated back into a single ticket with a promise of a response in 4-5 days. 

I need to get my account back so i can file taxes and see what the thief stole. In addition, I have funds on other exchanges that are frozen waiting for verification of transfers from Coinbase to confirm my identification that I can only get if I'm logged into my account. 

The current support ticket is Case # XXXX - Stolen email
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple dispute letters addressed to the Credit Bureaus requesting that they remove the disputed items completely from my Credit file since these items resulted due to identity theft. the last letter I sent to the Credit Bureaus was XX/XX/2022 with complete attachments of my Personal Information as well as the ID THEFT REPORT I received from the FTC. I have read enough to understand my rights and it is clear that by continuing the reporting of the disputed Items on my Credit report, the Credit Bureaus have violated this rights. I need the following items removed completely from my Credit report : XXXX XXXX AV XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXXXXXX Balance Owed : {$180.00}
Product: Debt collection

Address XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX WRONG : -- - Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX WRONG : -- - High Balance {$180.00} Original Creditor XXXX  XXXX XXXX : -- - Past Due {$280.00} Pay Status >Collection Estimated month and year this item will be removed XX/XX/XXXX -- - I have spoken to XXXX  XXXX and they state the amount owed is wrong, in fact, I don't have a balance because they were charging me for months I did not live at the address. My bill was paid when I moved. 

I have never received a bill or notice of this and XXXX  XXXX had my forwarding address. 

Bonneville changes the amounts and dates to keep this on my credit. This was a XXXX account, paid in full at the time I moved. I spoke to the Utility commission and XXXX  XXXX removes these accounts after 4 years. 

Bonneville knows this account collection is fraudulent but keeps pursuing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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

16 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

I asked Navient for a XXXX XXXX XXXX XXXX, as predatory lending practices and the practices of my institution in pushing me towards a private student loan to supplement federal loans qualify me for a XXXX XXXX XXXX  Navient refused to send the request, citing the institutions ' non-profit status at the time the loan was originated. While this is true, I was still pushed toward private loans by financial aid representatives. I did not understand the difference between private and federally-backed student loans at the time, and did not understand that the loans were not treated similarly to federal loans in terms of repayment, etc., and the differences were not explained to me. I have been unable to make meaningful payments on the loans, resorting to interest only payments, and I have paid more than the loan was originally worth in some cases.
Product: Credit reporting or other personal consumer reports

there are several hard inquiries on my credit report that should not be on my report. mainly from auto finance companies. i have not authorized anyone to run my credit for any purpose let alone for the purpose of purchasing a car. At the time/date of these inquiries that are listed on my report i was not looking to even purchase a car or take out a loan of any kind seeing as my credit score was in the low 600/and or below. 
the following are the inquires listed on my report, and some of them are listed on transunion and not XXXX. and XXXX or XXXX are on XXXX and not transunion which also dent make sense. 

The following incorrect inquiries are as follows and are on either all XXXX of the credit bureau 's or at least one of the 3 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Ally Bank insisted the money is still floating somewhere in the air before it can be returned back to my other bank. XXXX 's XXXX XXXX program partner with XXXX filed the disputes with Ally Bank to return the money, but there is no update the timeline when money will be returned back. It is already over due for releasing back for 3rd week since XX/XX/23 week. 

Name of Merchant : Ally Bank Exact amount : {$49000.00} Initiated date : XX/XX/23 Reason why you want to file a dispute : Incomplete transfer at Ally 's side because funding at CD account window closed. 

Name of Merchant : Ally Bank Exact amount : {$29000.00} Initiated date : XX/XX/23 Reason why you want to file a dispute : Incomplete transfer at Ally 's side because funding at CD account window closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 loans reported late in XXXX and XXXX of 2018 in which the loans were on approved deferrement. I disputed the error with Experian but they verified the reporting as correct information. As supporting documentation I have the approval letter of deferrement covering the time that was reported late.
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 15 USC 1681. 

Account Name : 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 and list of Inquiries. 

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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to delete unverified information from my credit report.
Product: Credit card or prepaid card

i borrowed {$35.00} from albert app. transferred to my XXXX  debit card. the next month when i had to pay it back, they charged me {$95.00}. i called XXXX  to dispute and got it back. i canceled my albert subscription immediately and deleted the app. however yesterday they were somehow able to charge me {$17.00}. then {$25.00} again today. im not even using the app, borrowing money, i dont even have an account anymore. my boyfriend, i sent him a link to this app when i first got it. he never made an account and it charged him {$15.00} too. XXXX?! fix this
Product: Debt collection

Convergent Outsoursing is trying to collect a debt ( {$1100.00} ) that is not mine. 
On XX/XX/2019 i sent certified usps letter to Convergent Outsoursing requesting to Validate the debt, pursuant to FDCPA ,15 USC 1692g Sec.809 ( b ). 
Convergent responded to my request with a letter dated XX/XX/2019, stating that debt is valid and the only evidence sent with that is a bill/statement from XXXX XXXX that has my name and completely unknown address to me. 
They are also reporting this debt to Credit Bureaus. 

This is no way can be sufficient Debt Validation under FDCPA/FCRA, and is a clear violation of FDCPA/FCRA. 

Please see the attached copy Debt Validitaion Request Letter along with Usps Certified reciept and there response letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for 2 days now to get a credit freeze off my account. I have called at least 4 different # s can't get a human, tried every different option on their menu to no avail. waited on hold for 15 min.s several times before hanging up. this is ridiculous and I feel on purpose because we are not PAYING for credit freeze! PLEEEEEZE do something about it? im not the only 1 I just read on line a woman said she had been trying for 2 mos.s! I need this removed NOW im trying to get a credit card that I NEED! thank you please FINE them until they correct their abusive behavior!!!!!!!!!!!!!
Product: Credit card or prepaid card

On XX/XX/2021 Citi Bank denied my request for credit limit increase on my credit card. 
12 CFR 1002.4 ( a ) " Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. '' Citi bank has discrimined against me. They are in violation of federal law
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Late Payment Reporting on My Credit Report I am writing to formally dispute the inaccurate reporting of a late payment on my credit report, as listed by Experian. I assert that the information being reported is inaccurate and therefore in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The account in question is : XXXX XXXX XXXX Account Number : XXXX Pursuant to 15 U.S.C. 1681i, Experian is required to investigate disputes related to the accuracy of any information contained in a consumer 's credit report. Under this section, if the information can not be verified as accurate, it must be corrected or removed promptly. In this case, the late payment being reported is erroneous and misrepresents my payment history with the creditor.

Additionally, under 15 U.S.C. 1681e ( b ), Experian has a legal obligation to follow reasonable procedures to assure maximum possible accuracy of the information it reports. The failure to remove or correct this inaccurate late payment violates this statutory obligation and could result in damages due to the negative impact on my creditworthiness.

I request that Experian immediately investigate the reporting of this late payment, confirm with the furnisher of the information that it is correct, or otherwise remove the inaccurate information from my credit report. In accordance with 15 U.S.C. 1681i, you have 30 days to complete the investigation and notify me of the outcome. If you find the information unverifiable or incorrect, you are required to promptly delete or correct the erroneous entry.

Furthermore, I request that once this inaccurate information is removed or corrected, you notify any other credit reporting agencies to which the inaccurate data was furnished, as per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Attached are copies of my identification, proof of address, and any relevant documentation supporting my dispute. I appreciate your prompt attention to this matter and expect that my credit report will be updated accordingly.

Thank you for your time and consideration in addressing this issue. I look forward to a timely resolution. 
Sincerely, XXXX XXXX
Product: Debt collection

I'm receiving calls before XXXX MST from Advanced Capital Solutions , the call has been received at XXXX MST, also a voicemail has been left, Advanced Capital Solutions has my phone as XXXX and Address as XXXX, CO XXXX , Reference Number : XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX collection : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Personal Information Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX  Employers : XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in regards to my XXXX account that is held by XXXX  XXXX  Back in XXXX of 2020 my account was closed by the creditor due to XXXX taking them over. I never had a physical card with XXXX and no account number. I had to pay this card via XXXX XXXX XXXX Well in XXXX when they closed down the website went down as well. I contacted XXXX  back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of 2020 XXXX called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor XXXX my request XXXX what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from XXXX be removed off my credit reports. I pay all my bills on time and my credit is extremely important to me.
Product: Credit reporting or other personal consumer reports

I have contacted the credit bureaus multiple times and all of them except Transuninon and resolved the issues. It's going on 90 days that I have been trying to remove an unauthorized XXXX  XXXX from my account and it is still there showing open with a high balance that is affecting my credit rating. This issue is causing server damage and it needs to be resolved ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Regarding : Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Credit Card Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It XXXX Concern : I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a XXXX Charge Card tradeline in my credit files that I would like to have revised. 
I received the XXXX card in XXXX, several years before I experienced the death of my late mother to stage XXXX XXXX XXXX. Later when I experienced the death of my mother, I became disorganized with respect to making timely payments with XXXX as it was a very hard time for me in my life where everything just stopped I lost who I was where I had to even get checked into a mental health hospital for 15 days. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXX that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the XXXX card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, XXXX that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX XXXX preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with XXXX, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at XXXX, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. 
Very hopefully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX