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

PLEASE BLOCK AND REMOVE I urgently request the prompt removal of the unauthorized accounts from my credit report. I did not authorize them, and they are causing significant distress. Please correct this error without delay.
Product: Money transfer, virtual currency, or money service

This complaint is in regards to Coinbase. someone hacked my account and stole some cryptocurrency from my account. I notified them and they put a stop on the account. they did not nothing to retrieve my money. For the past 8 months I have been trying to log in to my account again and I have not been able to get access. I have sent numerous emails and calls and they keep telling me they are escalating this but nothing is being done. I just want access tom y account to close it. This is a fraudulent company and the government needs to examine their practices. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I sent a letter to XXXX, XXXX and Transunion concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the E-Oscar and pacer system and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, and Drivers License is attached for proof of identity.
Product: Debt collection

Hi Transunion XXXX again with my 3rd complaint. I just want to let TransUnion know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX was placed on my XXXX Credit report 3 times for the amount of {$530.00} each time. I have called the company and requested a debt validation letter and also XXXX XXXX XXXX XXXX XXXX XXXX also sent out a request to have a debt validation letter sent on XXXX which has been 56 days ago I have n't received anything by mail or received any phone calls from this company with the information I requested. I 've also disputed this with XXXX and a fraud alert has been placed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom this may concern, RE : Inaccurate and Unverified accounts Account name : XXXX XXXX  Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status after investigation : Charge-off Account name : XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Paid, XXXX balance Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX. XXXX, XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX  Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Seriously past due date I am sending this letter in response to the results of your incomplete investigation. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing these accounts and requesting a validation of debt. ( XXXX XXXX XXXX Sec. XXXX ( b ) ). 

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : XXXX. State what the money you say I owe is for. 
XXXX. How did you come to determine that amount? 
XXXX. Provide copies of agreements bearing my signature, stating that I agreed to pay what you say I owe. 
XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number. 
XXXX. Provide me with proof that the statute of limitations has not expired. 
XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
XXXX. How is a closed collection account past due? This is a violation of the FCRA! 
********DELETE THESE ACCOUNTS********** As you know it is against the law to report any information not proven accurate. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you, XXXX XXXX XXXX
Product: Consumer Loan

I took out a loan with instaloan around the end of 2014. I made a few payments but could n't keep up. They loan company rolled over my loan to a new XXXX with old payment/interest attached to close previous loan and renew it. 
Now on my credit report it shows I have XXXX loans open with them when in fact i have only XXXX. 
I called Instalon and stated loans were being rejected to help pay off their loan because of being overextended for XXXX. I requested they report the XXXX loan as being closed ( is showing up as XXXX seperate loans ) and a new loan was created. They stated they could not do that and that XXXX loans would show until total loan of {$800.00} was paid. Credit report shows {$600.00} and {$800.00} loans from them which is not correct. 
They are reporting misleading information to credit bureaus.Also refused to participate in debt consolidation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX  Balance : {$94.00} XXXX - XXXXXXXX XXXX Inquired on XX/XX/2023 XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

To Whom it May Concern : I am in the process of starting a small business and recently pulled my credit reports. I was shocked to find that currently reporting on my American Express credit card is a {$0.00} credit limit. In fact, there is NO credit limit on this account and should be reporting " XXXX XXXX or nothing at all in that field. 

Because American Express is reporting a {$0.00} credit limit, any balances are being reported as " XXXX '' and are having a severe impact on my credit scores. The erroneous reporting of a {$0.00} credit limit is causing me to be denied for funding needing for my small business. In addition, other lines of credit that I have applied for have been approved, but at an outrageous interest rate due to my scores being reported as lower than what they should be.
Product: Credit reporting or other personal consumer reports

I recently had my credit pulled for a mortgage and to my surprise, Equifax is not reporting any of my open accounts. Only old closed accounts. I reach out to Equifax and they had no idea what happened. Also, I reached out to each creditor that should be listed on my credit report and each confirmed that they send the information each month. This can be further confirmed as XXXX and XXXX both have recent payment history from each credit as of XX/XX/year>. Equifax needs to update my credit report with the correct information for the XXXX open accounts that I have. By law, these are record to show on my report if the creditor sends them each month to be report. Which they do send each month.
Product: Credit reporting or other personal consumer reports

I am requesting the deletion of the following accounts due to an apparent reporting error on Equifaxs part. 

XXXX XXXX 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 I recently received an Equifax letter ( confirmation # XXXX ) stating that the accounts mentioned are " not currently reported on my Equifax credit file ''. However, upon reviewing my most recent credit report dated XX/XX/year>, I found that these same accounts are still being reported. This discrepancy indicates that I am being misled by Equifax, and these accounts are being inaccurately and negligently reported on my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I am entitled to dispute inaccurate or incomplete information on my credit report. The FCRA mandates that consumer reporting agencies, such as Equifax, must ensure that the information they report is accurate and complete. Furthermore, Section 1681e ( b ) requires that consumer reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of the information they report. The failure to remove or correct inaccurate information, despite evidence to the contrary, constitutes negligence in Equifaxs reporting practices.

Equifax 's failure to properly communicate with the consumer and correct the inaccuracies in my credit report is a clear violation of these obligations under the FCRA. These discrepancies have resulted in my credit file being inaccurately reported, which is drastically affect my creditworthiness. 

I request immediate action to update and remove the inaccurate accounts from my credit report as mandated by law. The continued reporting of this incorrect information is a direct result of Equifaxs negligence and failure to comply with the standards set forth in the FCRA. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Creditor Name ( XXXX XXXX  ) Account Number ( XXXX ) It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections.

Thank you for your prompt attention to this matter.
Product: Debt collection

I received a text message from Harris & Harris Debit Collector on XX/XX/year> stating that I owed XXXX XXXX payment. I then clicked on the link to see what it was about it showed that I owed {$1800.00}. I IMMEDIATELY called XXXX XXXX and they confirmed that I was at a XXXX balance. They told me to contact Harris & Harris. I then made a phone call to Harris & Harris and let them know XXXX is stating I have no balance with them. They then proceeded to say well thats not what they say to us. I have asked to call or write to XXXX XXXX about this. I am still being contacted over this debt that isnt owed almost a month later.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I was divorced on XX/XX/XXXX and my marital home ( mortgage in my name ) through Midfirst Bank Midland Mortgage was to be the responsibility of my ex-wife. She did not make mortgage payments for almost a year and Ive been trying to bring the account current since taking possession of the home early XXXX. 

Midfirst granted a loan modification, but adjusted the terms only to increase the loans duration, interest rate, and monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 in response to a complaint filed with CFPB. Vanderbilt Mortgage. Finally researched and admitted an error made on my account regarding Date of First Delinquency. In there letter they stated this information was also provided to the 3 major credit bureaus. 

At that time a request was made for the reporting agencies to verify and update the information. 
Upon doing so XXXX and XXXX have both reported information verified from Vanderbilt again that is not accurate nor matches the information provided in the response to the previous complaint to Vanderbilt.
Product: Mortgage

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc 1681 section 602 states l have the right to privacy. 15usc 1681 section 604A section 2 states a consumer reporting agency can not furnish my account without written instructions. Under 15usc 1666B a creditor can not treat a credit payment as late for any purpose.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXAcc # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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

XXXX HAS INDUCED ME TO APPLY TO WELLS FARGO UNDER FALSE PRETENSES The complaint is where XXXX  has made false and misleading advertising, as they failed to provide a full disclosure in their services that provides matching credit cards with their credit card partner Wells Fargo I am a subscriber and via my membership number XXXX per their notices to me, that I am eligibility for elite rewards cars. As I earned access to elite credit card matches to top-tier cards with my terms of my level of credit can access. From generous cash back to ample airline miles, its all my for the taking. 

Based on their matches I applied for one of their matches of tier partners Wells Fargo on XX/XX/2019 as my credit file has earned access to elite credit card matches to top-tier cards. My application was denied. 

XXXX failed and made false and misleading statements with not providing a full disclosure by inducing me to apply for a credit card by one of their partners for which they receive compensation. 

False and misleading statements are in direct violations of federal law and XXXX must held responsible to correct false and misleading statements, as their failure to provide a full disclosure. 

My credit standing is impeccable with a history of credit card payments as well with the stability and credit standing to purchase a home and being able to secure a mortgage. 

False and misleading statements are in direct violations of federal law and XXXX must held responsible to correct false and misleading statements, as their failure to provide a full disclosure. 

Because of XXXX XXXX and misleading statement and failure to provide a full disclosure has now has blemished my credit bureaus files as Wells Fargos credit inquiry will stay on my credit file for two years as the inquiry has lowed my credit score. 

CFPB has the duty under federal law to correct False and misleading statements and failure to provide a full disclosure by XXXX and I as a consumer are protected under federal law to seek justice to the American consumers.
Product: Credit card or prepaid card

MY NAME IS XXXX XXXX MY BUSINESS NAME IS XXXX XXXX MERCHANT NUMBER, XXXX XXXX I CONTACTED MULTIPLE TIMES WITH THE XXXX COMPANY TO GET MY MONEY BACK. THEY GIVE ME A FINAL SOLUTION TO GET MY MONEY BACK. THE CLIENTS, AND THEY DID NOT WANT TO DO IT, I ASKED THAT THEY SEND ME A CHECK WITH THE FUNDS ALSO THEY DID NOT SEND IT TO ME, THEY TOLD ME THAT I HAD TO WAIT UNTIL 2 MONTHS TO RELEASE THE FUNDS TIME PASSED AND I HAVE WAITING FOR MORE THAN 7 MONTHS AND I DID NOT THEY GIVE POSITIVE ANSWERS, I ASKED THEM IF THEIR INTENT IS TO WANT TO STEAL THE MONEY, THEY DID NOT GIVE ME AN ANSWER, I NEED TO KNOW WHEN THEY WILL GIVE ME THE MONEY, AND TRIED TO WAIT CALMLY BUT I HAVE NO POSITIVE ANSWERS, IT IS NOT NECESSARY TO LOOK FOR A LAWYER AND SUE THE COMPANY FOR FRAUD BEFORE A JUDGE, SINCE WHAT THEY HAVE LET ME KNOW IS THAT THEY DO NOT HAVE THE INTENTION OF SENDING ME THE FUNDS TO MY POSTAL ADDRESS, NOR MAKE A REFUND TO CUSTOMERS,,
Product: Debt collection

I applied for an apartment back on XX/XX/year> the company is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Paid {$100.00} ( credit card ) There was an offer that the application fee of {$100.00} was refundable, I applied they disqualified me because I didnt meet the income guidelines. 

I requested the {$100.00} refundable application fee. I was given a run around, since I was uncomfortable with their responses I called the credit card company and explained these people weren't trustworthy that I couldnt get an straight answer so I disputed the charges, then credit card did a charge back. After I had taken this action I tried to call again. 

On XX/XX/XXXX the credit card did a reversal of {$100.00}, I call the company again but no response. 

I received a paper check via 1st class mail, then when it cleared I contacted my credit card and asked them to return the {$100.00} to XXXX XXXX XXXX XXXX On XX/XX/XXXX the XXXX XXXX Dispute charge for {$100.00} was reversed and sent back to them. 

On XX/XX/XXXX the XXXX XXXX XXXX XXXX hired a collection company National Credit Systems , in XXXX that entered a judgement to collect the {$100.00} ( the money refunded to me ) plus {$30.00} for the collection agency fee. A derogatory report to damage me for something I am not responsible! 

This is mail fraud companies can't enter judgement against someone that doesnt owe them anything, this hurt / damage my credit which of course this is " FRAUD UNETHICAL Practices, I want this remove and the have to clean PERMANENTLY remove " CLEAN '' this up it false charges ( judgement against me it constitutes " Mail Fraud '' I sent complaints to XXXX XXXXXXXX XXXX Florida XXXX Attorney General the FBI file a fraud victim report. 
Now Im considering filing a small claims for Damages!
Product: Debt collection

on my credit report a collection agency named Enchanted Recovery has that i have a sebt for {$460.00} dollars ( t-mobile ) never in my life have i selt with XXXX. 2nd. XXXX colletion agency ( peco ) {$100.00} dollars never owned anything reguarding housing allways lived with someone XXXX XXXX. XXXX XXXX  XXXX does't say how much that's all
Product: Student loan

Due to delays processing my refinancing, I overpaid by about ~ {$300.00}. I have contacted XXXX about this issue and have not gotten a response. I would like them to refund me the overpayment.