23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to dispute the presence of a collection account by Caine and Weiner on my credit report, as I have never entered into any contract or agreement with this company. 

I have thoroughly reviewed my credit report and found this entry to be incorrect. I am concerned about the accuracy of this reporting, as I have no knowledge or association with any transactions or obligations to XXXXXXXX XXXX XXXXXXXX. There is absolutely no agreement or contract between us, and therefore, I believe this account has been wrongly attributed to me. 

Under the Fair Credit Reporting Act ( FCRA ), I request your assistance in investigating this matter and ensuring that this incorrect information is promptly removed from my credit report. 

Thank you for your attention to this matter. I would appreciate confirmation of the removal of this unauthorized account from my credit report at your earliest convenience. Please feel free to contact me using the information provided above should you need any additional details.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX XXXX presume that no proof of the alleged debt, nor therefore any such debt, im fact therefore exists. 

XXXX  XXXX BANKRUPTCY XX/XX/XXXX XXXX XXXX  XX/XX/XXXX {$2000.00} DEPT OF ED/XXXX XX/XX/XXXX {$4000.00} DEPT OF ED/XXXX  XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$6000.00} DEPT OF ED/XXXX  XX/XX/XXXX {$3900.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF ED/XXXX  XX/XX/XXXX {$1400.00} DEPT OF EDXXXX XX/XX/XXXX {$3200.00} DEPT OF ED/XXXX  XX/XX/XXXX {$3500.00} DEPT OF EDXXXX {$3800.00} DEPT OF ED/XXXX  XX/XX/XXXX {$1200.00} DEPT OF EDXXXX XX/XX/XXXX {$5500.00} XXXX XX/XX/XXXX {$67000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, CAPITAL ONE, 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

" I called Capital and make the full balance payment on this account and asking to remove this account from my credit file, because the late payments on this account limited me to get access to new credit to buy a car, at the time I had the late payment on this account is because I had XXXX and been sick for several months after that I had a car accident where I XXXX XXXX XXXX XXXX  and my XXXXXXXX and been out of work for several months and my car was total lost. ''
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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: Credit card

I had a previous Apple Card with Goldman Sachs that was closed back in XXXX or XX/XX/2023. There was an open dispute on the card that was later found in my favor and closed out in XXXX. Goldman Sachs ( by their own admission ) failed to close the dispute properly, so despite my card being closed it is hung up in the Apple wallet and is preventing me from reapplying for another Apple Card. I have been working with Apple and Goldman Sachs since last XXXX XXXX to get this resolved. I have submitted XXXX escalated tickets on Goldman Sachs side to get the dispute dispositioned correctly and closed out in there system so that I can reapply for a new card. I continue to be given the run around. I am told tickets usually take 10 days, however, the last one was given XXXX and still didnt have any additional progress and resulted in another two tickets being submitted. I have talked to several additional Goodman Sachs representatives ( including supervisors ) who tell me there is no eta for a fix, the area that has to correct the problem is outside of customer service, they do not have a direct line to them and can not call anyone for an update or answer and the only method of correction is to submit yet another ticket so they know the issue hasnt been corrected. 
There is XXXX reason that XXXX months have gone by and this is still unresolved because of an issue Goldman Sachs told me is a known issue because their disputes system sucks and cases dont always close properly. If this is the case, then a resolve should take less time than what is currently transpiring, the continued lack of assistance and prevention from applying for credit which I qualify for is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint Part 2- Previous background : I applied for a refinance loan on a property with XXXX XXXX in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ),  the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via XXXX XXXX a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to XXXX that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since XXXX still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by XXXX at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with XXXX about it, it was clear it is not a priority to get it resolved, at my expense. 


Updated issue : XXXX justified credit inquiry by providing me a letter signed by the loan officer, XXXX XXXX, stating that I gave verbal authorization on XX/XX/XXXX for a second inquiry. That letter is flat-out lie. I never gave authorization verbally, or in any form, ever. I provided email transcripts between myself and XXXX, showing that I specifically told him a month prior I DID NOT want my credit pulled a second time, and XXXX saying after it was pulled that he would have the second inquiry removed off my credit report within 10 business days.
Product: Mortgage

In XX/XX/2019 I contacted XXXX XXXX a branch manager with Academy Mortgage in XXXX CA. I submitted an application and received a pre qualification letter. I went to submit an offer and was told something changed with my credit ... come to find out XXXX changed companies and ran my credit for a new application however I was never even told about his change or that my credit would be ran again and I never approved XXXX or the company he works for to run my credit. His assistant XXXX confirmed that she never received verbal or written authorization or a request to run my credit from me. XXXX now wants me to believe that these letters are only good for 90 days however that is not true as credit is not ran again until the closing of the loan and its not with a different lender. My credit was affected as it dropped 6 pts in addition to the 6 pts it dropped when Academy ran it. My information is protected and can not be shared with another company or Lender Nor can anyone other than me request my credit be ran for a loan.
Product: Consumer Loan

False Advertisement by XXXX XXXX and GreenSky Trade CreditI was the victim of false advertisement, identity theft and fraud. 

The XXXX card was introduced to me by the store specialist as an alternative payment method with 6 month no interest after selecting materials for remodeling. On the advertisement and card are XXXX logo 's appeared. On the top left the XXXX XXXX logo and the bottom right the XXXX logo. GreenSky name does n't appear on the card nor advertisement but is the financial institution for the loan/card. I attempted to validate mailing address which failed, due to no such address in XXXX, GA.GreenSky is currently under investigation in Florida by a lawyer for fraud. 

On my credit report in XXXX it shows that I 've applied to XXXX companies. I received notification from all XXXX credit bureaus. It appears that these are subsidiary companies, XXXX and XXXX with a credit limit of {$3000.00} for each account as indicated, which caused my score to decreased. I would like a letter refering to the new account activity in the XXXX Credit profile to indicate that these entries were incorrect on the XXXX 2015 credit report. By law my credit report must be reported correctly. XXXX are subsidiary companies of GreenSky. 

I 've contacted both GreenSky and XXXX XXXX for reconciliation each company passes the buck and assume no accountability. Ive requested letters and submitted proof that the subsidiary companies were listed on my credit report. Credit Bureau 's list in real time only. Credit monitoring services allow prior account reviews and archives. XXXX XXXX Senior Credit Specialist and GreenSky Vice President received valid documentation of all XXXX subsidary added under my social security number and failed to provide any complimentary credit monitoring nor letter releasing financial responsibility and report to credit bureau 's of account and subsidiary accounts are closed. Due to fraudelent activity committed by GreenSky. As of today, my credit score dropped by XXXX points and I still have n't received any help. XXXX XXXX was recently undergoing Security breaches and GreenSky is under investigation. I ca n't even have letters drafted with signatures from either company. Ive attached the credit report to validate my claims.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with Account Number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

repeatedly disputed a collection account from an off campus student housing company, included all documentation for over a 18 months, As it was an apartment complex for students only, based on financial aid awards my dependent child was no longer a student, therefore ineligible for housing. 
The lease was not broken, there is no unlawful detainer or warrant in debt judgment as required by the State Law. 
The company changes the dates every dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information on my file due to identity theft.
Product: Money transfer, virtual currency, or money service

In early XXXX, XXXX, tried to sign in to my account at XXXX XXXX XXXX, and my user name and password simply did n't work any longer. The account is over one year old. Coinbase was unable to explain why they seemingly forgot my username and password. They told me that I must pretend that I am the one that forgot the password and go through that process. 

Attempts to go through that process simply do n't work. They required me to upload scans of my driver 's license. But their website was issuing error codes like " Constraints can not be met '', which reps at Coinbase could n't explain. 

On XXXX/XXXX/XXXX, a rep named XXXX blamed what she called an XXXX XXXX. But authorization apps do not come into play until after a login. So this was just an attempt to get rid of a complaining customer. 

On XXXX/XXXX/XXXX, XXXX sent an email message that a specialist would be contacting us. But that did n't happen. 

On XXXX/XXXX/XXXX A supervisor promised no more website frustrations would be required of me. He said this entire ordeal would be manually corrected and only email would be required. He said the driver license scans could be sent email. He assured me that a specialist would be contacting me. 

On XXXX/XXXX/XXXX, that so-called specialist simply sent me an email that required me to start all over again from the beginning using the XXXX browser. This was not what was promised. I was n't supposed to endure any more of their website dysfunction. 

On XXXX/XXXX/XXXX, Saturday, there is no phone support. I decide to try the entire process again using the XXXX browser. More problems. This time, the coinbase website permits me to select and perform a FILE UPLOAD process. It is specifically called " File Upload ''. But when I try to send scans of my driver 's license, it tells me that my WEBCAM is not recognized and that I should select a non-webcam method of sending files. So when I use " File Upload '' the Coinbase website somehow sees a webcam. Coinbase should be reminded that tens of thousands of photos are uploaded to XXXX every day by users of every imaginable combination of operating systems and browsers without any such problems. Yet Coinbase somehow blames their customers for such problems as evidenced by complaints scattered all over the Internet. 

I report all this to Coinbase and I hear nothing back.
Its my property and I entrusted Coinbase the same way I entrust a bank with my money. I just want the access I was promised. I just want my Bitcoins or I want access to my account so I can use/transfer those Bitcoins. From my perspective, I am suffering the identical damage as if this were a theft.
Product: Credit reporting or other personal consumer reports

I believe there has been a mistake in my account billing for Account Number : XXXX, for the auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have a late payment of longer than 30 days in my credit score report. However, when reviewing my account I discontinued automatic payments in XX/XX/XXXX. I made a payment on XX/XX/XXXX that went to the Principal instead of the Monthly Payment. This was an error in billing, I did pay the amount of {$590.00} in XXXX and XXXX XXXX XXXX took in the amount to pay for the principal. I consider this fraud. I then on XX/XX/XXXX of XXXX did a double monthly payment of {$1200.00} as I noticed that you had not taken in my XX/XX/XXXX payment towards my monthly payment. I contacted XXXX XXXX XXXXXXXX XXXX multiple times regarding this error by phone before the 6 month limitation in billing changes per their policies took place, but I never received a positive response. We can look at phone recordings to verify. I believe this is a billing error and I should not have a 30 day late payment flag in my credit report since this institution received the monthly amount on time, but failed to bill it as a monthly payment. In reality this institution received 3 payments from me totalling {$1800.00} in the period from XXXX to XXXX and still received a derogatory mark from XXXXXXXX XXXX XXXX  XXXX. which I respect, but which made a billing error that cost me a significant drop in my credit score.

Please note that I am willing to dispute this at the Credit Bureau level since this is the only bad mark in my credit report, since this is a billing error, not a denial to pay from my side. I clearly made 3 payments in that period when only two were needed in my pay schedule.

Thank you for your time and attention. 

XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

i received a credit alert on XX/XX/10 from a company call ONLINE COLLECTIONS. after receiving the alert i immediately contact the credit collector and after speaking with the company i verified the information and PAID the balance. 

I was Never sent a 30 day notice in the mail of the debt, since i was not aware of the debt, and the collection agency did not properly notified me my credit went from a XXXX score to XXXX score. 

That is not fair. 

after looking online for this company there are over 80 complaint of this practice of not noticing the person of the debt and ruining people credits.
Product: Credit reporting or other personal consumer reports

This company is breaking the law by failing to provide proper validation. Details as required under 15 USA 1692G. Despite this, they've added a collection to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach and identity theft. As a result, the following unauthorized account has been reported on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that this account be immediately blocked and deleted from my credit report. 
Unauthorized Account : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XXXXXXXX XXXX Balance : {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled two accounts that were in collections, paid in full and neither account has been removed from my credit report. 

On XX/XX/2023 I paid {$120.00} to XXXX to pay the remaining balance on the account in full. the account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report. 

I also settled to pay Southwest credit systems {$200.00}, that I paid in full. The account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

EVER SINCE XXXX DATA BREACH I AM UNABLE TO USE XXXX MONITORING THAT I PAID FOR I HAVE BEEN A MEMEBER FROR YEARS..ALSO, ARE A MEMBER FOR THE EXPERIAN ID XXXX XXXX WHERE I CAN NOT FILE DISPUTE ONLINE. LASTLY XXXX FAILS TO HAND SHAKE WITH ALL BUREAUS SEE ATTACHED.
Product: Mortgage

I inherited my father 's home after he passed away. My attorney whent through all the steps in court so I could be administrator of the estate and mailed copies of this to Bank of America. They said that they never received the paperwork and could not say or do anything for me because I was not on the loan. My attorney sent the copies again, and BofA stated they didn't receive those either. Bank of America would not expect my payments and returned my checks. I got a notice of foreclosure from them so I called about it and once again denied information so I faxed the copies from the court they denied getting them so I then emailed the paperwork twice in a week. 3 days before the sale of my home they said that they just got the email and would process it. I called every day after asking them to stop the sale so I could take over the loan and refinance. I was sent to 4 different people on the phone before being told they were still processing the papers. I had 2 people  come to my home on the day of auction and tell me they just bought the house. Bank of America never once tried to help me do anything to take over the loan or stop the foreclosure this has been going on for a year since my father died. I was never given any options and they sold MY home out from under me forcing me and my children to be XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies obtained a copy of my credit report without my authorization : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX EQUIFAX MTG - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX/XXXX  - XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX IN - XX/XX/XXXX XXXX
Product: Prepaid card

This gift card is not accepted anywhere in store or online its constantly declined
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called Santander bank to have my monthly car payments withdrawn on theXX/XX/XXXX of every month starting XX/XX/XXXX until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at Santander that I was all set up and my automatic payments would startXX/XX/XXXX. I received my XX/XX/2019 bank statement from my personal bank and saw my car payment did not come out. I immediately called Santander and was told they have been having computer issues and will fix my account. I paid them Santander XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from experian that o was two payments late. I called Santander to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -FXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 

NAME OF ACCOUNT : SYNCB/PPC ACCOUNT NUMBER : XXXX Please Investigate and Validate the accuracy of this account with the Original Creditor. 


If you can not verify that the accounts listed above are reporting 100 % accurate and without any errors. Immediately DELETE these accounts from my credit file.