23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Collection Services Subject : Urgent Dispute Fraudulent Accounts Removal To Whom It May Concern, I am writing to formally dispute the accounts associated with XXXX XXXX XXXXXXXX XXXX, which were fraudulently opened under my name and Social Security number without my knowledge or consent to insure someone elses car or house. These accounts were created fraudulently, and I have made multiple attempts to dispute them, yet no action has been taken to remove them from my credit report. 

This situation has had a severe impact on my life, preventing me from being able to move or purchase a car due to the negative marks on my credit. I have been patient in trying to resolve this issue properly, but I have been left with no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) if these accounts are not immediately removed from my credit report. I will continue to do it effortlessly! 

I demand written confirmation that these fraudulent accounts have been deleted from all credit bureaus and that no further collection actions will be taken against me. Please treat this matter with urgency, as I will not hesitate to pursue further legal action if necessary. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/year>, 3 credit cards were opened and purchases made in my name without my consent or knowledge. One was Comenity/Kay with a charge in the amount of {$9100.00} charged in XXXX, FL per the representative that I spoke with named XXXX. The second account that was opened and purchases made without my knowledge or consent is XXXX XXXX XXXXXXXX XXXX XXXX amount of {$490.00}. The third credit account that was opened without my consent and purchases made was XXXX in the amount of {$380.00}.
Product: Mortgage

I currently have a mortgage with XXXX XXXX XXXX PHH Bank ). Two months ago my monthly mortgage payment was decreased because I was overpaying towards the escrow. My account is set up with flex pay in where my mortgagee payments are withdrawn from my account twice a month. PHH bank for the last two month has been charging my mortgage twice. They have charged my account twice for the flex pay and in addition charged the full monthly payment on the XXXX of the month. This has caused me to pay over {$100.00} in overdraft fee 's in my personal checking account and to date I've made XXXX calls to PHH and no one has been able to resolve my issue. I've been dealing with this stress for the past two month with no resolution. 

Now when I call I get told by the escalation department that one of the supervisors has my case open and they will send her a message to call me back. She should be calling my within 24-48hrs. We are now at 72hrs and I still haven't received a call back. 

Currently, my mortgage account states that I have a late payment which is not the case. In addition, I've received emails and letters from PHH stating that my account is over due and that they will be charging me a late fee and in addition a return payment fee because one of the payments was returned. I've never paid my mortgage late and/or missed a payment. 

I went to XXXX XXXX in person to see if anyone can assist me and was informed that the mortgages are handled by PHH and there is nothing they can do for me. 

I don't understand on how technology is so advanced now a days it has taken 2 months to fix the auto deduction on my account and difficult for me to find someone that can help. Everyone I speak to blames the other person and passes the buck. 

These past two month has been extremely overwhelming and stressful in trying to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis : The following has been requested : * according to the FCRA 609, 611 I requested a signed contract/or lease on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX never producing any documentation with my signature. 
* In addition twice they responded over 30 days to respond as of today I have not received any response as of XX/XX/XXXX mailing. * Also there was inaccuracies on the previous responses. {$0.00} value was expressed which made no sense for a unverified eviction.
Product: Debt collection

This Company ( Express Collections ) keeps adding balances to this account every couple of weeks it's a different balance. I do not owe anything to this company, they can't provide solid proof that I have a contract originally with them owing them money. It says the original company is XXXX XXXX XXXX  XXXX and this has already been charged off. The company needs to send a Valid 1099-C form if they actually have verifiable information. The balances with this company went from XXXX to XXXX but it's reporting it was opened in 2023 and it also reported as highest balance is XXXX. This is inaccurate information and needs to be removed.
Product: Credit reporting or other personal consumer reports

Over the course of multiple months starting since XXXX of XXXX, every month I sent letters in regards to account. 

XXXX - XXXX in which contained a letter with information that said : 1. FCRA Violation : Inaccurate and Conflicting Reporting ( 15 U.S.C. 1681e ( b ) ) Under FCRA, Section 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy. This account contains multiple discrepancies : Different Credit Limits : Equifax reports a {$0.00} limit, while XXXX and XXXX report {$380.00}. Inconsistent Activity Dates : The Date Last Active varies between XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX and XXXX ). 

Payment Status Conflicts : The same account is marked as Coll/Chargeoff by Equifax and XXXX but XXXX as 180 Days Delinquent by XXXX. 

These conflicting entries create an inaccurate portrayal of my credit history, violating the FCRAs requirement for accuracy. If the information can not be corrected, the account must be deleted immediately. 

XXXX. FDCPA Violation : Lack of Validation and Misleading Status ( 15 U.S.C. 1692e ) Under FDCPA, Section 1692g, I am entitled to validation of the debt upon request. Despite my previous attempts to contact you, I have not received any documentation supporting the legitimacy of this debt. Reporting the debt as charged off and derogatory with a XXXX balance is both misleading and violates FDCPA prohibitions against deceptive practices. 7 of 12 3. Violation of FCRA, Section 1681c ( a ) : Outdated Reporting FCRA, Section 1681c ( a ) restricts the reporting of delinquent information to seven years from the first date of delinquency. The discrepancy in last activity dates ( 2018 vs. 2019 ) raises concerns about re-aging the debt to artificially extend the reporting period. Any such action is a direct violation of federal law and must be corrected or removed immediately.

4. Violation of CFPB Guidelines : Inconsistent and Harmful Reporting The Consumer Financial Protection Bureau ( CFPB ) prohibits unfair and harmful practices in credit reporting. The conflicting account statuses across the three bureaus cause unnecessary damage to my creditworthiness by presenting an inconsistent and misleading history to potential lenders. 

XXXX. Non-Compliance with XXXX XXXX Data Reporting Standards The XXXX XXXX standard requires that accounts be classified accurately to ensure consistency. However, this account is listed incorrectly as Revolving/Charge Off despite the XXXX balance and closed status. This misclassification introduces further inaccuracies and must be addressed through immediate deletion. 

Final Demand for Deletion Given the inaccuracies, inconsistencies, and violations of federal law, I am formally requesting that the XXXX charge account be deleted from my credit report immediately. If you can not validate the debt with appropriate documentation, the FCRA and FDCPA require its removal
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw an ad to check my credit score. I didn't see any thing about a charge to my credit card. I contacted them immediately and they said they couldn't do anything. I am a XXXX citizen and I am sure I am not the only only one.
Product: Mortgage

I am the LEGAL DURABLE POWER OF ATTORNEY for my mother and have this documented with PNC bank where my mom had a revolving equity loan line of credit. My mother had a XXXX last year.I had complained to CFPB about national City/PNC harassing myself and mom with sending statements to her and she was very upset. It was also upsetting me and I am very XXXX. My husband who is a XXXX veteran was also upset. I got a letter stating that they would stop. I, my husband and My mother was not to be upset. She is XXXX & widowed with a XXXX XXXX. I am XXXX XXXX and also have several medical problems and can not be upset. I was hospitalized with XXXX XX/XX/2016 shortly after receiving another statement. The statements continue.
Product: Vehicle loan or lease

XX/XX/2014 I had financed a car for the first time in my life. I had XXXX kids at the time and had no car at all this was the only way of getting a car and Ive never purchased a car before, but I have an APR of 26.44 % that isnt good at all Im paying 5 times more then what the car is worth it had over 100,000 miles on it already and had been tooken to the shop 2-3 times after buying it within a year to a year and a half. When I had looked on XXXX XXXX XXXX at the time the car was only worth about {$4000.00} but we are paying {$26000.00} for it.
Product: Credit reporting or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$960.00} written off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$6100.00} Status Account charged off. {$6100.00} written off. {$6100.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Account charged off. {$1900.00} written off. {$1900.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 
XXXX XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  in regards to an account that was removed from my account that is not associated with me, and then as of XX/XX/XXXX18 i checked my report and it was placed on my credit file, so I don't know if it was a mistake or what but the XXXX XXXX account in the amount of XXXX is not mines, I have already dealt with this for years.
Product: Payday loan, title loan, or personal loan

Booked a trip through XXXX using Affirm, and due to hostilities and protests the rental was not safely accessible and I attempted to contact the XXXX XXXX  XXXX owner to cancel who further became combative. The trip was never taken due to XXXX XXXX and both XXXX and Affirm are not actively working to resolve as multiple calls and the case hasn't moved. There's no communication, and no resolution. {$980.00} for a rental that isn't reasonably accessible. I didn't cancel by choice or fault of mine, I want my refund processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Creditors about an account that was on my credit report. I was told if i paid these accounts off they would be removed off my credit report. Ive paid these accounts off and its still on my report. Ive called numerous of times to get everything resolved, ive even asked for dispute letters and keep getting the run around each time.
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/21 I accidentally locked my Coinbase account rather than my Coinbase wallet which is entirely separate. 
This also resulted in me being locked out of my Coinbase Pro account. 
I followed the steps they presented which involved photos of my valid Drivers License and a selfie. 
I was then sent an email with a link about when I may be able to access my funds. 
That day was originally listed as XX/XX/XXXX though on subsequent checks on the link the date started moving further into the future. After numerous attempts to reach Coinbase support which is essentially unreachable by email and rarely responds in their social media channels I was directed to get a case number. Within a few minutes of my first response from Coinbase I received an email saying my verification had failed. 
They refuse to acknowledge anyone without a case number so I then filed a complaint in regards to the lack of customer service, the shifting dates on expected recovery and finally the failed recovery. 
I then received an a form email which instructed me to do the very steps I had just done to regain access. I replied that those were the steps I had taken and the basis of the whole complaint. I received an email that simply stated they would look into it with no commitment or apparent urgency to release my property. 
Their customer service social media channels are filled with many in my situation. I wish I had seen those before trusting them with my money. 
They seem to acknowledge that they are unable to adequately tend to their customers with a constant notice on their support site that they are poorly equipped to handle complaints. 
Ultimately the assets they are holding belong to me and and I have submitted plenty of documentation to prove I am the person that owns the account.
Product: Credit card or prepaid card

On XX/XX/2021 & again after reopening and reviewing the claim on XX/XX/2021 my claims were closed.The last explanation given from my financial institution was to get merchant to agree to refund, and then Ill get my money back. The amount is {$570.00}. The financial institution requested email and phone correspondents, ticket confirmation, and the refund policy from merchant. All of which were provided. Merchant event stated event was still scheduled however the event happened 3 months prior. I have been actively disputing and trying to contact merchants and updating information with financial institution to no avail.
Product: Checking or savings account

Good morning to begin I contacted my bank about some unauthorized charges from the merchant in question there were nine unauthorized charges in the amount {$48.00} each time the bank then issued a new debit card and put three of those transactions on Investigation and was given a provisional credit I assumed everything was being handled and taken care of I was then notified by the bank very quickly that my provisional credits would be taken away and the money would be taken back out I wasn't given any information or any explanation except that they were taking the money back out I then contacted them again which I've sent over 12 to 13 emails telling them that those were not my charges and they would greatly appreciate if they would handle that and put a merchant block for me because they continued to take money out of my account without my permission after this and me contacting the bank and telling them about everything they then went into a vault of mine took out all of my money that I had and put it towards these provisional credits that they had taken out which left me and put me in a negative balance for weeks caused my other bills to be late cause my rent to be late caused everything to be late I need someone to help me put my money back in my account and the unauthorized charges I can not get the bank to do this I can not get the bank to even respond to me I have called I have emailed I have sent everything that I could possibly do an exhausted every option that I have I need my money back I'm still in a negative balance and my bills are still due and I don't know what to do I don't know how to handle this I can't get the bank to help me I can't get the merchant to help me so this was my last option I need someone to help me get my money back please it might not seem like a lot to people but it's a lot to me it determines whether I eat or not or whether my rent gets paid and it's caused me so much problems and I have tried and tried to to get the bank to put my money back I never have my account set up to where you can cover anything by getting into my Vault or my savings I understand there's an offset that's legal and that's with money that I would owe them but I do not owe them any money they owe me a refund for all of the unauthorized charges to the merchant and the {$90.00} that they illegally took from my savings vault that I was trying to save to get a car because I walk to work everyday and I don't make that much money I am at a {$13.00} an hour job trying to make it in this world and I went out on a limb and trusted this Bank and chose this Bank to help me save my money and collect my direct deposits and all they did was take everything that I have can someone please help me? Please Thank you Very Dissappointed Bank customer...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX wrongly reported me for two debt collection accounts ( both reporting in XX/XX/2021 ). This greatly impacted my credit score. I have called XXXX and tried to resolve the issue as soon as possible. But they insisted that the report is accurate and had me call the debt collection agencies with whom I did not have any association. The debt collection agencies ( XXXX and Phoenix ) did not have my information on their file. To date, the two debt collection accounts still exist on my credit report ( please find attached the images ).
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT THE XXXX CREDIT BUREAUS LETTERS TO EXPLAIN THEM THAT I I WAS A VICTIM OF IDENTITY THEFT AND I SENT THEM A LETTER WITH A FTC AFFADAVIT. THEY HAVE YET TO THIS DAY TO RESPOND.
Product: Debt collection

I have been getting harassing phone calls and threats in my voicemail from this company, claiming to have a debt against me, for a company that I have never heard of and an account i have never had in my life. They have threatened to sue me, and come to my job and " deal with me '' and even come to my house to " handle the situation ''. These are verbal threats and voicemail 's that have been left by collectors harassing myself, my wife, and my family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding accounts XXXX XXXX, which you claim chargeoff {$76.00} Southern Management, Which you claim chargeout {$910.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including docu mentation of any potential small claims action.
Product: Consumer Loan

yes i was able too get a defred car payment XXXX month from ally bank/my regular payment was XXXX a month??? they told me i could pay late fee which was half my car payment????? thry exstented my contract from XXXX 2018 too XXXX 2018???? i dont feel they gave me much of a break??? deffred mean skip the whole payment?????? they charged me late fee??? which is half my car payment?????? im hoping too get late feee credit too my account on next months payment??? XXXX
Product: Payday loan, title loan, or personal loan

Hi Self ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Student loan

Fed Loans and US Department of Education haven't provided original documentations when asked by the three credit bureaus ( XXXX, XXXX  and XXXX ). I submitted three disputes on XX/XX/20, XX/XX/20 and XX/XX/20 with them stating " You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct and to remove the item from my credit file ''. They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). XXXX  has since removed these account from my file but it still remains on my XXXX and XXXX credit files. In the documents attached below, you will see when I first submitted my 609 letters and when XXXX  removed US Department Of Education file, but Fed Loan/USDept services remains on my accounts on XXXX  and XXXX. Theres a huge inconsistency and inaccuracy on my credit file that takes a toll on my personal growth.