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

To whom it may concern, I have disputed inaccuracies and accounts on my credit file with Experian. I have sent all documents by certified mail and online dispute portal since XX/XX/2023. On XXXX XXXX, XXXX, a rep. from Experian said that they need more information from me why I am disputing items on my credit file. I said I will not submit anymore documentation. The rep said most of my documents got misplaced. My reply was, " that is not my problem. Everything was sent by certified mail. XX/XX/2023, I have received several emails from Experian requesting again my personal information to verify again it is me. I will not subject myself with this again. My rights as a consumer have been violated due to the fact these Credit Bureaus are not doing their due diligence in helping the consumer. Please do not send me any more emails asking for this and that when everything was sent certified mail. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
15 U.S.C. 1681i ( a ), If you can not provide proof, the original contract with my signed signature on it, the disputed accounts must be deleted by law. This issue has been way over 60 days.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017 - I wired a balance of {$3000.00} from my CoinBase/XXXX Account to my XXXX XXXX Checkings account. The transfer is labeled as completed however my transfer never came in. 

XXXX XXXX is not responsible as the transaction has not been initiated. The funds remain under XXXX XXXX however the transaction is shown as complete. 

I 've emailed support.coinbase XXXX different times. I have opened cases with them and it 's been XXXX business days and I have not heard back. I also opened a twitter account to direct message them about the issue and I 've been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion will not provide me my credit score without paying a fee. This is egregious since they make money from my financial information and should provide to me my information for free at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify Experian and XXXX credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 


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

On XXXX I was incarcerated and was not released from prison until XXXX. During my incarceration over {$1500.00} was taken from my chime banking account I contacted chime to dispute these charges as well as filing a police report. I sent chime all my incarceration papers showing I was indeed incarcerated and was not the person charging my debit card. After less then 6 hours chime denied my dispute. I feel chime didnt investigate my claim or take it seriously. I will provide you with all the same info I sent to chime. Including a police report number. My parole papers. Jail records and court documents. I was clearly unable to make any charges on the account. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX began reporting on my credit report in XXXX. Account listed as opened in XX/XX/XXXX and closed XX/XX/XXXX, first issue. Account could not have been opened after it was closed. Second issue, account isnt mine. Ive disputed multiple times in writing via certified mail and verbally. No debt validation was ever received. XXXX agreed account is not mine and reports sending deletion to bureaus on XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX today and they state they haven't received a dispute from the bureaus but have sent requests for deletion.
Product: Credit card or prepaid card

XXXX XXXX closed my lowes card because my credit score dropped some. I paid my bill early every month. Then they mess with my credit with my walmart card lowered my limit. I pay early and mpre then bill. They are messing with my credit score now that they keep checking my credit. Its not right.
Product: Mortgage

Subject : Urgent Assistance Required Regarding Mortgage Forbearance and Modification Issue I am writing to seek your assistance regarding a troubling situation I have encountered with my mortgage through Bank of America. 
In XXXX, I applied for the CARES Act XXXX forbearance. My loan was resumed in XX/XX/XXXX with a remaining payoff amount of {$21000.00} and only one year left until completion. After making the first two payments, my electronic transfer for the third payment was unexpectedly frozen. When I contacted Bank of America, they informed me that they had lost the necessary paperwork and requested I mail a check instead. This situation felt suspicious, leading me to question whether I was being scammed.

During this period, I also had two insurance companies managing my escrow, and they were able to transfer the returned funds without any issue. As a registered nurse, I returned to work and was capable of meeting my financial obligations, yet I faced increasing difficulties with my mortgage payments. 

Despite my efforts, I have been unable to hire legal representation as attorneys have advised me to consider bankruptcy. While I currently have funds available, I can not provide an entire lump sum payment at once. I have repeatedly attempted to make payments, but the bank has not allowed this, nor have they offered any alternatives over the phone. 

Recently, I was placed into a mortgage assistance program, a decision I approached with skepticism. Since then, I have been reported as seriously delinquent, and foreclosure has been threatened. Currently, after three months, I was informed that I could only make minimal payments of {$600.00}, stalling any chance of catching up, especially given my monthly mortgage payment ( including taxes ) is approximately {$1500.00}.

I have also encountered issues with modification paperwork. I have completed this paperwork multiple times, each time indicating that my previous payment amounts and terms should remain unchanged. Yet, the bank has claimed not to have received the documents, despite using a self-addressed envelope. I feel compelled to accept a modification that is not in my favor ; the proposed modifications have increased my payoff amount to {$31000.00}, extended my mortgage term by an additional 39 years and 6 months, with a payoff date now set for XX/XX/XXXX. 

This process has been overwhelming and I am seeking your guidance. I have plans to cash out a pension plan, with anticipated funds by XX/XX/XXXX, but my modification paperwork is due by XX/XX/XXXX, adding to my anxiety regarding this matter. 

Furthermore, I have found that communicating via phone has resulted in no formal documentation on my part, which feels unsafe and untrustworthy. 

I greatly appreciate any assistance or guidance you can provide to help me navigate these issues with Bank of America. Thank you for your attention to this pressing matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed a few changes to my credit report where some inaccurate erroneous information was removed and I totally appreciate it but I listed these accounts along with the last dispute and I dont know why they werent removed. The information that I am providing to use is factual information and it isnt an account Ive ever opened or had to my knowledge. This is an internal dispute and I have record on the dispute, phone calls, certified letters and more for court when the time arrives. I am XXXX that I have to continue going through a dispute process because your company is placing errors and inaccurate information on my credit for no apparent reasons and it isnt fair to me at all. Please look in the attachment area to see the letter I attached. Please read carefully and this is my final warning letter to remove the erroneous information off my credit report within 48 hours and no longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.
Product: Debt collection

This debt in amount of XXXX. Was paid in full on XXXX. This is XXXX different company capio sold bill too and Capio was PAID.
Product: Checking or savings account

On XX/XX/XXXX {$1.00} and {$3.00} were attempted to be pulled from my Bank of America account, there were not funds in the account to cover and charges were returned and I was charged {$35.00} for each item. This is gross overcharging and I requested the fees be reversed.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX {$3000.00} REV {$1100.00} {$35.00} {$0.00} XXXX XXXX XXXX XXXX CUR WAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has my billing information incorrect. They charged me late fees and finance charges and refuses to remove the delinquent marks from my credit. The company is aware I was overseas working during these instances and refuses to assist me. Ive sent letters repeatedly and they advised me the letters are frivolous. Im asking for assistance in this matter. Or I will have no choice but to contact the Attorney Generals office.
Product: Checking or savings account

I went into chase to put my insurance check into save keeping while renovations are happening. Chase took the check with my name and mortgage company name and put into account. I got a letter mailed to my house that I am not even living at due to the reconstruction from chase saying that the check put in account for save keeping looked fraudulent and I needed to call to clear up, no phone call or anything. Thinking everything was good because it was in account and nothing was said we have bought stuff for the house. No my joint account for mortgage to pay my house off is being closed. The teller should have never allowed the transaction and chase is not being very helpful through this stressful terrible time. Now I have no way of paying and have to wait extra weeks to pay the team. Super unprofessional. I called and ask for multiple house how I can fix it and they told me they just need them to say yes and that my account will be back to normal. That is no longer the case and it is closed indefinitely. All the pain, stress and suffer is not what should be happening to make sure I dont lose my money.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Transunion is in violation of my rights by failing to comply with my request to provide written verification on the below accounts, I'm entitled to fair credit reporting and at this moment my rights are not being fulfilled.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX  I spoke with an agent by the name of XXXX. The Agent refused to dispute an inaccurate address, that I told him is a non mailable address. Per the FCRA 15 USC 1681, this is not my address. I did not give XXXX nor Transunion written consent to place this address on my report. XXXX told me he could not remove it and that I needed to contact the creditor which is not by the law. Please delete this inaccurate information immediately. If XXXX continues to report this inaccurate information as this is a violation of the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

I've disputed with Experian, XXXX XXXX and XXXX, and they will not remove all the negative items from my credit as requested.
Product: Mortgage

I am in Covid forbearance but need help with my mortgage payments. The Money Source is claiming I have to pay the forbearance amount of {$12000.00} all at once and they are not able tack forbearance on the back-end of the loan like many mortgages companies are allowing during this pandemic. 
On XX/XX/2021 XXXX XXXX said I need to resume making payment and then file for a VA disaster modification. I called on XX/XX/XXXX ready to make a payment and apply for the VA disaster modification and she said I did not qualify. I am elderly with a XXXX XXXX and on a fixed income with rising expenses such as medical expenses, food, gas, utilities and taxes. My husband just lost his four XX/XX/XXXXdo to an XXXX and I now have to have thoseXX/XX/XXXX. This is just one example of our many problems right now. Not being able to get our mortgaged situation resolved during the Covid pandemic is causing me unnecessary stress. 
My mortgage interest is 4.85 % and with the new lower available rates which are under 3 %, I should be able to either 1 ) modify my loan to make the monthly mortgage affordable or 2 ) tack the forbearance on to the end of the loan like numerous mortgage companies are authorizing. I can complete the paperwork but because The Money Source stated I do not qualify verbally for a VA disaster modification, I am concerned we will lose our home. I am not sure why The Money Source is not offering simple programs like many of my friends and family in this same predicament with financial difficulties due to Covid19.
Product: Debt collection

I just looked at my credit report and was shocked to see the error you have listed. I am writing to have you remove them immediately. The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : VERIFY AND VALIDATE all data. By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Product: Debt collection

Ok I call the ability recovery service to talk about paying the payment but I wanted to know what the payment was for, the guy had a attitude and really did not give me much info and I wanted to know what the payment was for before paying it, XXXX is a lot of money to send to a debt collector without checking first who billing me, the guy gave me alot of attitude after asking and even threaten me by saying he would ban my number from calling them, I even asked for supervisor and told me there no supervisor there and he could not help me at all and then hung up the phone and now I am ban from calling this debt collector phone number ( XXXX ) and now this debt is sitting on my credit report and I dont know who put it in and I even called the place that is showed as the ordinary creditor ( XXXX XXXX XXXX XXXX in the credit report and they said there no billing thru there department as far as they know of, so now I wondering what to do since now I cant call them and figure this out since now my number is block from them, I need help figuring it out because I am lost in what to do now!
Product: Mortgage

I made extra payments of {$1300.00} ( towards principal ) in XXXX, XXXX, and XXXX. I noticed on XXXX XXXX, 2016 the extra payment in XXXX was never applied, so I called the mortgage company ( Stearns Lending ) to apply the payment. On that date my principal balance was {$160000.00}, which should have been {$1300.00} less from the payment they did n't apply in XXXX. They told me this would be resolved by XXXX XXXX, which it was not. Today, the mortgage company tells me the job is closed and I now have a principal balance that is higher than my principal balance on XXXX XXXX, 2016. My payment history report is so full of red from all the reversals that I do n't understand the report. The financial advisor was unable to explain to me as well what they did without another full detailed research. I 'm minus {$1300.00} ( possibly {$2600.00} after an attempt to read through the payment history report. 4 - {$1300.00} in black and 3 - {$1300.00} in red, which leaves me to believe that out of the 3 extra {$1300.00} only one has been applied since all the reversals ). The mortgage company considers this matter resolved and I do not.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This company is still reporting this identity theft account under my name and on my credit report. I didnt open this account my identity and information was taken over and have caused me emotional distress and problems of this company dont remove this from my credit report and from under my name I will look into legal ramifications. I been a victim of identity theft. I have attached an FTC identity theft affidavit that I had to file.