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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Debt collection

I closed my account with XXXX & XXXX on XXXX of XXXX  and returned all equipment owed to this company. I have email confirmation that equipment was received and all debt was settled. Starting in XXXX of XXXX  my wife began to receive collection statements from Convergent Outsourcing Inc. indicating that she owed {$480.00} due to a collection from XXXX XXXX XXXX XXXX XXXX XXXX  ). She is now receiving a letter from a new company called XXXX XXXX XXXX saying they are willing to take a smaller amount to settle this balance. I contacted XXXX XXXX XXXX to have them review my account and they indicated that not only did I not owe them a balance but that my account closed with a credit of {$5.00}. The XXXX & XXXX account was in my name, not my wife 's.
Product: Credit reporting or other personal consumer reports

The attached referenced information has violated my consumer rights by reporting a bankruptcy which is not a collection therefore this a violation of my consumer rights. I have also advised of a cease and desist.. Under the fcra laws 15 usc 1681 ( c2 ) and 15 usc 1681 ( a4 ). I am demanding that this information be removed from my credit report immediately.
Product: Debt collection

I am a XXXX Veteran from the XXXX XXXX XXXX, I am in the rebuilding phase of my credit. I made a lot of XXXX decisions in my past that ruined my credit. However, I have been doing things the right way for the past year and my XXXXredit score has increased significantly. I applied for a Secured Credit Card with XXXX it to help me on my journey of rebuilding my credit. I was hoping my card would graduate to an unsecured card after 6 months, so I could get my XXXX dollars deposit that I need so much back. However, that looks IMPOSSIBLE right now. Why? Because yesterday, XX/XX/XXXX, I received like 5 negative notifications about a new collection account added to my credit report from all the different websites and apps that I use to check my credit reports. This collection decreased my credit score by XXXX points. 

The collection account is a collection from XXXX with a balance of XXXX dollars. It is showing the date opened AS XX/XX/XXXX. I am 100 % SURE that I DO NOT owe XXXX a XXXX. I never received any calls or mail from XXXX or anybody else about this balance. When I switched from XXXX to XXXX, I did not owe XXXX ANYTHING XXXX Therefore, I DO NOT understand why I owe this balance. Anyways, I immediately reached out to XXXX trying to find out what this collection was about, and they told me that MRS BPO COLLECTIONS is the one in charge of the collection account. I immediately reached out to MRS BPO COLLECTIONS, and they told me that that the balance was XXXX dollars which is not the balance that the collection account is showing on the credit bureaus. I do not want to fight this collection fake and fraudulent collection account and waste time. As I mentioned above, I am a XXXX Veteran from XXXX XXXX FORCES with chronic XXXX, chronic anxiety, and chronic XXXX, and this things just add more stress to me and make things worse for me. Therefore, I went ahead and paid the balance in full to MRS BPO COLLECTIONS, even though the balance they say I owe is way different to what they collection account on the credit bureaus is showing. They told me that they would let XXXX know that I paid the balance in full. However, I need this account removed from all of my 3 credit bureaus ASAP. I am 100 % sure that I do not owe XXXX anything as I said above. But this collection account ruined my credit and will prevent my secured card to graduate to an unsecured in a timely manner, since one of the MAIL requirements from XXXX It when graduating secured cards to unsecured is that you can not have any new Negative Accounts added to your credit report. Therefore, please delete this account from my report ASAP. Thank you!
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, Coinbase emailed me, informing me that my account was under review. 

On XX/XX/2023, Coinbase requested additional information about my account via email. I complied with the instructions and was informed that the review should be completed within a couple of days. 

By XX/XX/2023, I noticed my account was still under review when checking my account balance. After calling customer service, I received another email asking for more information. Having provided this, I was again told that the issue should be resolved in a couple of days. 

As of today, XX/XX/2023, my account remains under review. Reaching out to customer service once more, I was informed that there was nothing they could do and they could not provide a timeline for the review 's completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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

On a XX/XX/2018, I contacted Equifax fried department, I spoke with XXXX in Customer service, then get Supervisor XXXX, who transferred me to the FRAUD DEPT who has access to my report. XX/XX/2018 Iyana in the Equifax Fraud DEPT.  processed a dispute to remove inaccurate reporting Bankruptcies. XXXX was very rude, and I let her know that. The inaccurate bankruptcies were deleted on XX/XX/18. On XX/XX/18 the very next day, I received notification that Equifax REINSERTED that same inaccurate bankruptcy ON MY FILE AGAIN! This was done by the same rude rep. XXXX. This is also ILLEGAL AND A CLEAR VIOLATION OF FCRA LAWS, that Equifax should abide by. Please see the attached law. At this point, I have already hired an attorney who has all this information. I was advised by my attorney to file an official complaint with CFPB and a few other regulating agencies. Equifax has failed to notify my in writing WHY an unverifiable bankruptcy was put back on my credit report which is law.
Product: Consumer Loan

XXXX finance, ,ge bank. was how account opened. synchrony bank absorbed amazon custoners out of ge bank. amazon store card. synchrony bank internally ( tech escalation ) altered account, then 5 yrs of trouble free electronic payment fail pointing finger at account holder... close account! Demand payment.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the unresolved status of a previous dispute concerning unauthorized inquiries on my credit report. I initially filed this dispute onXXXX  and followed up on XX/XX/XXXX. This letter represents my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) : This section mandates that disputed information must be promptly investigated. It has been more than 30 days since my initial dispute, and I have not received an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) : This section entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section 604 ( 15 U.S.C. 1681b ) : This section defines the permissible purposes for obtaining credit reports. The inquiries in question were made without my consent and do not fall under any permissible purpose, representing a significant infraction. 
Immediate Action Required I request the following actions be taken immediately : Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

Immediate Removal of Unauthorized Inquiries : Remove any inquiries identified as unauthorized from my credit report without delay. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Please include documentation supporting your actions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment listed on my credit report. Upon careful review of the information, I believe there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for this account. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I had an account with flagstar and had my checks direct deposited from ssid. The had stopped depositing my check without notice. I had an overdraft on my account of about XXXX or so when my check should have been deposited. I called the bank and spoke with the manager at that time. He told me when my check were to start comming back in this amount wouild be detictued at that time. Before my checks started comming back in the bank was attaching fees not under my contract with them when I opened my account. The charged me XXXX per day overdraft fees for over a month. This was a fee not under our contract nor was I ever informed of fees like this at any time. The law states they have to inform you of changes to an account. They can not just attach them like Flagstar did. I has several accounts with them for years and never had this happen or heard this bank did this. This amount is all service charges.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt with Consumer Portfolio Services was first charged off in XXXX in XXXX. The agency is continuing to add reporting and updates to the file, as if we have been in contact and I am making payments on this debts. This is effecting my credit rating to the misinformation and incorrection being reported to the XXXX. They last updated XXXX XXXX in XXXX of XXXX. Why is this happening? If you look at my credit reports you will see for the entire year of XXXX there was no reporting, then in XXXX new charge debts being reported. The payment status should not have changed since XXXX. This validates my rights as a consumer, and I feel that the CFPB should take action on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the same time that I found out that XXXX XXXX had reported my account to Equifax before my billing cycle on a pending transaction and reducing my FICO score about 35 points. Equifax also updated my credit report, reducing my FICO score by 105 points with inacurate information about a US Dept. Of Ed, loan that has been reported on my credit report since XXXX. Equifax added that this account was 120 days past due as of XXXX XXXX this account was in fact not past due, had not been flagged in XXXX or any other month in XXXX in fact, due to the pandemic all payments have been suspended since XX/XX/XXXX due to the Pandemic as part of the Cares Act. In addition all interest rates are 0 %. I was refunded back in XXXX or XXXX any monies that were taken in XXXX/XXXX or XXXX. why was this account updated 6 months after the alleged 120 day late payment. In addition US Dept., of Ed, also sent me an email stating this information, it is also on their greeting and prompt when you call and I called them as well and of course they denied updating this particular account with Equifax. 

I also called and spoke to a supervisor in great length, disputed the charges, and instead they reduced my FICO score again on XX/XX/XXXX another 30 points and i have no idea what the reduction was for nor is it explained on their website, other than it being retaliation. Also, by changing the date on recent inaccurate activity, it keeps this account being negatively reported longer than 7 years. 

WHY is Equifax allowed to act rogue, harass, stalk and retaliate and do as they please, with no repercussions or consequences, for their unprofessional, dismissive and illegal practices? 


I have been trying to repair my credit and reported Equifax to CFPB, Equifax have since taken retaliatory actions, have since reduced my FICO score by almost 140 points in a 2 weeks with inaccurate information.
Product: Credit card or prepaid card

On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting MOHELA/DEPT OF ED Opened XXXX XXXX, XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Mortgage

XXXX XXXX purchased our loan in XX/XX/XXXX. As of XX/XX/XXXX until present day, I have had an online bill pay transfer occur every two weeks for {$1500.00}. Initially, our loan amount was {$2700.00} including escrow ( taxes and insurance ). I had asked that all extra be added to the principal. In XX/XX/XXXX, our family was living in XXXX ( my daughters and I resided there XX/XX/XXXX to XX/XX/XXXX, my husband is still there ). The payments continued. However, with the anniversary of XXXX XXXX on XX/XX/XXXX. Communications between the US and XXXX were VERY difficult and trying to get the funds transferred back to the US to replenish our bank account was not easy. I verified before making the change that I had two payments going out between XX/XX/XXXX and XX/XX/XXXX and I moved the XX/XX/XXXX payment to XX/XX/XXXX. Hoping we would have the ability to make the transfer by then. There were payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and then we made two payments on XX/XX/XXXX and XXXX on XX/XX/XXXX. The next payments were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then another will go out on XX/XX/XXXX. We were reported to the Credit Bureaus for late payment in XXXX ( over 30 days ) and have now paid a late fee each consecutive month after ( XXXX, XXXX, XXXX and likely XXXX too ) but they have the money it is in their system, The system is the problem. I can send verification of all the payments. What I was told when I called on Friday, XX/XX/XXXX was that their system can not handle the way I have been doing the payments over the past 3 years this was the first time I was aware of there being an issue with how the payments were being made. The first time I was ever aware of the " late payment " was when I was reported to the credit bureau and XXXX XXXX notified me. I sent an immediate email via the website to the company and received no communication back via the email system. Now, I did receive a letter in my XXXX XXXX which my mother in law checked 2 weeks later. However, the damage was done. No calls were getting through to XXXX on my US number between XX/XX/XXXX and around XX/XX/XXXX ... so if they did call I did not get it. But the only message I am aware of sounded like a refinance ( consolidate your loans with us ) type of message. My credit score dropped by 100 points because of this from XXXX to XXXX. I have worked really hard to maintain an excellent credit score for myself and my husband.
Product: Credit reporting or other personal consumer reports

I have disputed and contacted XXXX XXXX XXXX, they continue to report account in collections, after closed and paid since XXXX. This original collection account was caused by XXXX disaster and I was unable to resolve or pay account at that time. Why in reply states that after refunded credit owed to myself account continued in collections and stopped reporting, but how can they report in collections if I did not owe or have any debit to XXXX XXXX. They garnished my wages and paid in full. My account currently still in collections and frustrating and difficult to get this account updated and corrected. This is their reply without resolution : Hello XXXX XXXX XXXX, Thank you for contacting XXXX XXXX XXXX. 

In response to your email and XXXX request, your account status is collections because your account charged off to collections in XX/XX/XXXX. Because of your account status your payment history if reported as collections. Which means your account is closed for use. This automatically put negativity on your credit report. 

After reviewing you were advised that statements stopped generating when credit balance was refunded XX/XX/XXXX. 

If you have any further questions, please email XXXX or XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX. 

Thank you for your service and have a wonderful day. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX our online store! XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for a capital one credit card online and was approved. Yet, I have not received a card or notification about the processing of the card. 
I purchased a car through capital one auto finance in XX/XX/XXXX and have never missed a payment or been late. They refuse to refinance my car, approve me for a high interest credit card and never send me the card.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. 

I discovered unauthorized and fraudulent transactions on my [ credit card/bank statement/account ] issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges.

While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred by incomplete information. 

Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my XXXX. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. 

I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future.

As a customer, I expect and deserve a higher standard of service, especially when dealing with issues as critical as fraudulent activities on my account. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the situation promptly.

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove this charge off account : XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

SoFi bank closed my saving account on XXXX XXXX. They stated it was because I had a negative deposit for XXXX day. I called in because I knew I would be receiving a direct deposit soon. I informed them of this before they restricted my account. On XX/XX/XXXX I received a direct deposit and they are holding my funds because of dispute that was made XXXX months ago. I have been calling in since last XXXX making it a XXXX and they have literally been giving me the run around. Telling me the dispute is under investigation and theyll send a check once done. I request for them to close dispute and they have yet to do so.