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

My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
Product: Checking or savings account

Violation of my individual ( rights ) due process in banking.
Product: Mortgage

fci lenders service inc. is attempting to foreclose on my home with fraudulent assignments. the demanded me to remit {$18000.00} to bring my home out of foreclosure. 
i remitted the {$18000.00} which i disputed owning but i could not allow the to take my home, but after paying the {$18000.00} they refuse to stop the foreclosure. 
I MAILED THE a QWR THE REFUSE TO RESPOND I ALSO ASKED FOR DEBT VALIDATION THEY REFUSE TO RESPOND
Product: Credit card or prepaid card

Looks like the app doesn't work again. I tried to log in and it wouldn't accept my password, so I tried to reset it and the app crashed at the very end of the process of resetting it. This time it won't let me log on OR reset my password. See screen shot for server error message.
Product: Money transfer, virtual currency, or money service

I bought a car on XX/XX/year> from a dealer here in XXXX XXXX, XXXX. I was scammed due to the fact that the dealership knew that the car had issues and I requested a refund after going back and forth with the company for XXXX weeks, I sent them messages in regard to the scam to XXXX XXXX and requested a full refund because the vehicle broke down after XXXX weeks no longer able to run, after the dealership failed to disclose of the issues, after speaking with them I told them I was scammed and the dealership told me I shouldn't have signed the paper work. I then asked XXXX XXXX for a refund that I still have not received even though I returned the car and I sent them messages from the scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking XXXX XXXX last month I noticed that my score had gone down because XXXX card was reported as off my report. I disputed this information because my XXXX XXXX credit card should have not been removed off my credit reports. Today I received notice that my score dropped almost 42 points because my balance increased on the XXXX XXXX card to {$2000.00}. This is completely incorrect. The XXXX XXXX card does have an approx balance of a little over {$2000.00} the account is current and never paid late. I was told XXXX reported this. I am submitting this complaint because they took the card off my report then put it back but put it back as a new debt. This is messing up my score. The balance did NOT increase if anything it has been decreasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I have a collection balance with them for {$90.00} left over on an account that was closed back in XX/XX/2012. I don't remember having this account, but nonetheless I wanted it off of my credit report. So today, I called XXXX XXXX to pay it. I gave them the account number they were reporting, my name, address, ss #, etc ; and they told me that they had no record of the account. So since they do not give me an avenue to resolve this debt, I want them to take it off my credit report.
Product: Money transfer, virtual currency, or money service

I have transferred XXXX EUR through a XXXX XXXX transfer to Coinbase on XXXX XXXX XXXX. The full amount was received by Coinbase on the XXXX XXXX. This is visible on the Coinbase dashboard. However the funds show the status " pending '' since then and have not been credited to my Coinbase EUR wallet account. I contacted customer support multiple times and raised support cases on their  website, but never got a response from them. 

The transaction ID stuck in " pending '' state is : XXXX
Product: Credit reporting or other personal consumer reports

Currently, you are reporting inaccurate and incomplete information regarding the below noted student loan account ( s ). I demand that you contact the Reporting Data Provider ( s ), as I have already done, and request a validation of the debt ( as they can not provide the statement at this time ).

Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA. Please unabridge your investigation into this unproven, physically unverifiable, and incomplete information that is neither valid, accurate, timely, nor attestably XXXX XXXX compliant, as is mandatory for lawful reporting. 

I request that you remove the following suspect allegation ( XXXX ) immediately and permanently
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the persistent issue of late open accounts that I have been experiencing with your company, specifically regarding my account with Credit Bureaus. Despite my numerous attempts to address and resolve this matter, my late open accounts remain unresolved, causing significant inconvenience and financial hardship. 

I would like to provide a summary of my efforts to address this issue : I first became aware of the late open accounts associated with my account. Immediately, I contacted your company and initiated communication with your customer service department to discuss the issue. 

Subsequently, I made multiple attempts to resolve this situation, including sending emails, making phone calls, and even visiting your office in person. During these interactions, I provided all requested documentation and information to address the late open accounts. 

Regrettably, despite my continued commitment to resolving this matter, the late open accounts have not been rectified, and I have received no concrete steps or response from your company on how to proceed. 

These unresolved late open accounts have caused me significant stress, inconvenience, and financial difficulties. As a customer of Credit Bureaus, I expected a more responsive and efficient resolution process. 

I kindly request that you take immediate action to address and correct these late open accounts. If there are any additional details or documents required from my end, please inform me promptly, and I will provide the necessary information. 

I believe in fair and transparent communication, and I trust that we can resolve this issue amicably. However, if this issue persists, I may have no choice but to seek legal assistance to protect my rights and interests as a customer. Please assist me to correct these accounts : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never signed the contract for the loan on this vehicle. My signature on the contract would not be my signature if I did not sign the contact. This account was open by fraud and XXXX  was under a multi-million dollar class action lawsuit for very similar practices. The account was sold to XXXX XXXX in which I never received anything in the mail advising me of these details. I do not have a contract with this company as well. I have attempted to make contact several times and disputed with the credit reporting agencies as well.
Product: Mortgage

XXXX XXXX CFPB, I hate to keep coming to the federal regulators for my problems. However, the situation regarding my home and how the mortgage process has occured is just unbearable for me to continue be harmed by the transaction. 

My complaint is, I have now additionally been marked as 30 days deliquent on my credit report by XXXX XXXX. This is a lot, and I take my credit seriously, as well as my federal security clearance. I feel that by me bringing this awful situation to bare to each of the agencies, I am still not being handled equitably and fairly. My situation, I imagine is XXXX of XXXX mortgages. Penny Mac has not treated me with the care as a combat XXXX XXXX  who already has a problem with his house and quality based on a falsified use and occupancy report, and county officials not performing their job to enforce the standards. Penny Mac has been given most of the evidence provided to the FHFA for a review of my fraud claims. I kindly request intervention with Penny Mac, because I am not in the space to keep chasing down people to stop harming me. I am working through this process as best as I can. The foreberrance request is as a result of me having to hire lawyers to navigate this intricate civil/criminal matter by the builders XXXX XXXX XXXX XXXX and Draper and XXXX. I do not need my credit dinged for something I had no bearing to influence, until after discovery.

I am a victim of mortgage fraud by the builder and county as a result of skipped required inspections, home not in ADA compliance, and county refusing to enforce local, state, and federal regulations. Despite involvement at all levels of government regarding this tragedy, Penny Mac does not seem have the resources to ensure the unfortunate sitaution I am in is handled delicately. I applied for forberrance through Penny Mac Mortgage Services formally in XX/XX/year>, and was supplied with documentation to resubmit based on my telephone conversation. I opted to hold out from apply, and made all mortgage payments until XX/XX/year> on time. I was denied, and then later approved for forberrance through Penny XXXX XXXX XX/XX/year>. I spoke with Penny Mac on XXXX XX/XX/year> to request a written approval of the plan, a document I have yet to recieve. 

However
Product: Credit reporting or other personal consumer reports

Account is reporting that it owes a balance of {$45.00}. It does not this account has been paid in full.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that TRANSUNION unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that TRANSUNION did not verify as required by law on my consumer report.
Product: Debt collection

I have no recollection of a collection that was placed on my account. I have reached out to the company and waited 30+ days after asking for validation with signatures from my name they never responded, however continue to harassing me and call my phone after business hours. Please remove the collection I.C. Systems XXXX.
Product: Money transfer, virtual currency, or money service

I sent a PayPal payment to a retail provider in XXXX for an item they had for sale. PayPal had received my request and had put the transfer into " Pending '' status and have not made the funds accessible to the provider. I have not been able ( after many attempts ) to contact PayPal to find out why this payment has been held up. I would like PayPal to release this payment so I can receive my purchase.
Product: Debt collection

On XX/XX/2016, my wallet was stolen. Previously I have lost my Police Report but now it found. My cards were listed as stolen when your company bought my debt. I have already paid you most of the debt and I want to resolve the issue without a trial. I do not intend to make payments anymore, and if you do not cease collecting the debt, I will go to court, with the involvement of the bank, who did not send me a new card in return for the stolen one, did not close my account and sold the debt on the stolen card.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXXXX/XX/XXXX
Product: Credit card

I have been trying to get ahold of Capital One for now 3 months regarding my cards. I'm locked out of my online account bc I changed my phone number. When I call I get bounced between MULTIPLE representatives and placed on hold where they can't seem to find my info. Today I finally had enough when I was sent to a company who I've already paid bc they didn't have the right info even after providing them with all of my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a small collection of {$200.00} that I already had removed when reported by a different agency. It is not valid. And they LOWERD my score 60 pts for this small report!!!!!! that is ALREADY INVALD
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX
Product: Student loan

I received contact from my next door neighbor that XXXX XXXX of Delta Management contacted them regarding my debt purposely to humiliate, embarass, and intimidate me. I have lived in the same home for 17 years and have had same job for 17 years. I do not socialize with my neigbors. Thery are neither responsible for me or privy to any of my information. 
In addition, my XXXX children have been contacted via mobile ph. after being advised repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my final payment to XXXXr on XX/XX/XXXX. I have evidence of all payments made via my bank statements and I sent them proof through Experian dispute and they still refused to update my account as paid in full. I disputed 2 times and XXXX keeps reporting a balance that is higher than last time. The total paid is {$5100.00} including interest way over the amount of the loan. I only took out {$3500.00} and was given {$1000.00} up front. This was a credit builder loan through XXXX XXXXXXXX XXXX  where I would receive the rest after completely paying off the loan. I applied through XXXX XXXX. XXXX XXXX transferred my account to their partner XXXX. If, I didn't pay off the loan, then why was I paid in XXXX {$2500.00} that was owed to me. The payments made from my bank account shows XXXX ( via my debt card ) and also Withdrawal from Service and Systems loan ( paid via ACH ). So it shows two different ways on my statement but the same people and you can check with my bank to verify. This account needs to be updated as paid full. They would not have given me the {$2500.00} if I didn't pay them in full. It was a nightmare trying to get the money that was owed to me after pay off because they refused to give it to me and made up lies that I did not pay. So, when I finally got my check in XXXX, I was happy but now they are trying to say I still owe. Again, why pay me then? It shows on my bank statement and the image of the check from XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ) that {$2500.00} was paid to me.
Product: Credit reporting or other personal consumer reports

I have become depressed over my credit score, and this is because some of these accounts are hindering me from getting a new loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account opened on XX/XX/2019 with XXXX XXXX XXXX XXXX with a balance of {$16000.00}. I made payments on this account while trying to get it disputed. As well on XX/XX/2019 another account was opened with XXXX XXXX XXXX XXXX with a Balance of {$20000.00}. I made payments on this account while trying to get it disputed. This is a fraudulent account results of Identity theft. I was told from the company that these accounts were registered in XXXX, XXXX and I reside in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked you to verify and validate this account your willful non compliance and negligence has once again violated my consumer rights. The following inaccuracy exist in this reporting after re-investigation : " Date of Last Delinquency is XXXX but the reporting states status updated XX/XX/year>. 

Account name : XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is furnishing information on my report without my written consent. I am the consumer and reporting is optional. I tried several times by mail and phone to get this matter fixed and EQUIFAX has failed to comply with the Fair Credit Reporting Act, Permissible purposes of consumer reports [ XXXX XXXX. XXXX ], which states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : In accordance with the written instruction of the consumer to whom it relates. I reached out to the XXXX XXXX regarding this matter and that will be my last resort before litigation.
Product: Debt collection

i was notified the first time last week XXXX/XXXX/XXXX about a old credit card debit from XXXX I asked if he ( XXXX ) I believe he would send me an email or letter in mail regarding this and he said yes he would send email. I never received and email. today XXXX/XXXX/XXXX I get a messaged while at work to call him back so I do and he has an attitude stating I live where he can garnish my wages if I do not send him money and that he would send me another email at his expense and I told him it does not cost anything to send me an email and he starts yelling at me. I do not even have this debt on my credit report and I do not like him calling and threating me while I am working. very rude and unprofessional if this is a real debit why have n't I received anything in the mail since he stated my address?
Product: Checking or savings account

The location of the bank - OneWest Bank XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/19 XXXX a.m, I was trying to using the OneWest Bank ATM to withdraw cash from my one of international debit card. 

After I selected the amount and typed the pin, there was no cash coming out. My card has been retained for no reason. 

On XX/XX/19 XXXX XXXX, I went to the branch of OneWest Bank and asked them to get my debit card back. I told them my bank told me my card & account is fine but if I need to get a new card, I have to go to their branch in person. Which means I have to fly to XXXX to get a new debit card. 

I don't understand why OneWest Bank retained my card and did not give it back to me. They just told me, " SORRY, WE CAN NOT GIVE IT BACK IF IT IS NOT ONEWEST BANK CARD ''. 

I withdraw cash from this international debit card so many times on these ATMs of XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. Even though I typed the wrong PIN or the fund was insufficient, they never kept or retained my card. 

As new XXXX, one of the most important ways to pay my bill or rent is getting cash from my previous international debit card. In the US, I believe everything should follow the law and the rule but OneWest Bank ignores all these laws and policies, they're trying to take the right of using my international debit card away. They want to force consumers to open their checking account and transfer all funds to their account. Otherwise, they will retain all the cards from different banks. That is totally unfair competition. 

Whoever it is, they must comply with the law.
Product: Debt collection

Repeated phone calls after i have answered twice and asked for them to stop
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Read. This is new information. 
XXXX did not have permissible purpose to access my credit report. Even if XXXX has permissible purpose, XXXX did not have my authorization to pay another to access my credit report on their behalf. Why doesnt XXXX pull credit reports themselves? 
XXXX argues as a person, not as a company, that they have permissible purpose to pull credit per FCRA Section 604 ( 3 ) To a person which it has reason to believe. Who is the person this person at XXXX? HOWEVER, to make this worse for the consumer, XXXX THEN hires another company, Factual Data to pull a consumers credit report and has Factual Data company attach their name as the one who pulled the credit report.??? So XXXX argues they have permissible purpose but hires Factual Data to pull credit who does not have my permissible purpose?? Factual Data openly admits they pulled my credit for their client and refuses to give proof that XXXX is their client? 
AND all Credit Reporting Agencies are aware of this happening, but do nothing to stop it. They simply point the fingers at their clients requesting my information. Perhaps the CRAs could institute some policies and requirements to stop this. They are ultimately responsible for consumers information. 
Now a persons information is at risk with XXXX, Factual Data and owner, CBC Companies Inc, and all the other companies affiliated. And later all the companies can stand and point their fingers at each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, FL XXXX. 

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

XXXX was open around XX/XX/XXXX without my knowledge. Amount of {$6400.00} XXXX XXXX XXXX Account Number XXXX open XX/XX/XXXX Amount {$750.00} XXXX CARD OPEN XXXX XX/XX/XXXX BAL $ XXXX BAL {$2300.00} XXXX XXXX # XXXX XXXX dated XX/XX/XXXX {$2400.00} XXXX XXXX XXXX OPEN DATE XX/XX/XXXX BAL {$15000.00} I submitted my FTC report and XXXX written letter stating I was a victim of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Equifax. Equifax has been notified on 7 different occasions from myself and the better business bureau along with complaints with the CFPB concerning this wrongful account. Equifax has been given a hard copy of proof that this account is not mine, as i have done the work for them as they seem to not be able to handle such and use something called XXXX to verify accounts, instead of actual manual look up by a real employee of Equifax. I do not appreciate the defamation that Equifax has put on my personal information, and regarding their careless ways my information was stolen from their servers, now i must freeze my credit accounts and have placed fraud alerts on them. 
I do know by law and under the FDCRA, I will be awarded {$1000.00} for each wrongful mark that Equifax has placed on my report and this account is showing duplicate, that will equal out to {$2000.00} USD that I will be awarded. I will continue with the representation of a attorney if this account with the attached account number is not removed immediately from my file, as I have given enough proof with certified receipts and documents to Equifax and they continue to ignore this situation. This account is NOT MINE & NEVER HAS BEEN! XXXX