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

I am writing to formally file a complaint regarding my persistent efforts to correct a late open account on my credit file with your agency. Despite numerous attempts to address this issue, I have been met with continuous challenges and an unresponsive resolution process. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open account remains on my credit file, affecting my creditworthiness and financial stability. 

I respectfully request the following actions to be taken promptly : A thorough investigation of the late open account in question, including validation of the information with the creditor. 

If the account is found to be inaccurate, the immediate removal of the late open account from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit file, once the issue has been resolved. 

A detailed explanation of the actions taken and the outcome of the investigation. 

I urge you to address this complaint as a matter of urgency. I understand that resolving such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your immediate assistance to correct this account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. Being forced to work against my will. I believe my information was compromised and Im asking for certain items to be blocked and removed immediately as I get my life back on course XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, LLC XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX {$990.00} Please send me notification of the actions taken. I appreciate your prompt attention to this matter. The XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that has the authority to verify my XXXX. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Your Company is reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy.

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts they are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( co
py of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020.

I also sent out a request for proof of verification of the unverified accounts on the XX/XX/2020 with no deletions or proofs of verifications as required by law. 

I am simply requesting that the credit reporting agencies properly verified accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.
Product: Debt collection

According to ALL of my credit reports, this account was PAID, and is now CLOSED. I have already spoken to one of their collectors regarding this debt. She informed me that she would request removal from ALL of my reports!!!!!! Also, this account was opened without my permission, I informed her of that as well. So, WHY IS IT STILL ON MY XXXX REPORT?!!!!! I check those DAILY for ANY XXXX ID THEFT/FRAUD, and there should be NO DEBTS on there at all!!!!!!!! I have been a victim since I was XXXX years old, I am NOT doing well healthwise, I am ONLY XXXX years old, however XXXX DO NOT care how old you are!!!!!! And I REALLY am sick of ALL of these debt collectors in general LYING to you ( CFPB ), about accounts being valid when NO, THEY 'RE NOT!!!!!!! Also, I CAN BARELY SIGN MY XXXX NAME OR ANYTHING ELSE DUE TO CARPEL TUNNEL OR FILL OUT ANY XXXX FRAUD AFIDAVIT!!!!!! THIS STUFF NEEDS TO STOP, BECAUSE I DO NOT HAVE TO PROVE A XXXX THING TO ANY OF THESE COMPANIES WHATSOEVER!!!!!!! I HAVE ALOT OF THINGS GOING ON AND DO NOT NEED ANYMORE PROBLEMS!!!!!! I DO NOT KNOW HOW MANY MORE XXXX TIMES I HAVE TO SAY IT, THE POLICE DO NOT ASSIST IN ID THEFT MATTERS AT ALL UNLESS YOU 'RE FAMOUS AND ARE JUST SITTING ON MONEY OR THEY LIKE YOU AS A FAN!!!!!! I AM NOT THE ONLY PERSON THAT THEY REFUSED TO TAKE A REPORT FROM!!!!!!!! AND I DO NOT WAN NA HEAR A THING ELSE REGARDING THAT!!!!!!!! THE AMOUNT OF THE DEBT WAS {$96.00}. THANK YOU!
Product: Credit reporting or other personal consumer reports

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following accounts and paid, never late. 

15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) - Reporting During XXXX ( Instructions Please Update to Never Late ) XXXX XXXX  Account Number : XXXX Dates that need to be updated to current XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please correct/update this inaccurate information on my credit report
Product: Money transfer, virtual currency, or money service

PayPal close my account for not reason and them will not help me with Getting it back up and going. Every time when I try to withdraw my money from my account PayPal hold my access. 
My account is more 180 days, I sent all my info for get verify. 
Please I need you help me with this issue. 
Let me access to my money please. 
I see my account don't have any dispute or chargeback. 

my email is XXXX XXXX
Product: Debt collection

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account
Product: Debt collection

I received a letter dated XX/XX/XXXX from Linebarger Goggan Blair & Sampson LLP stating that I owed {$500.00} for unpaid parking tickets in the City of XXXX. The dates on the tickets are : XX/XX/XXXX - XX/XX/XXXX. 

The letter threatens garnishing my wages and bank accounts, and filing a lien against my property. 

I called the Linebarger and explained that the tickets were paid at the time they were incurred. I have lived in XXXX or nearby for more than 30 years, and I ALWAYS paid all my tickets in order to avoid hassles such as having my car booted, etc. Linebarger 's agent asked me for records proving that I paid. By checking account only keeps 7 years of statements, and my records do not go back 20 years, so of course I have no proof at this point. Then she said there was nothing she could do. 

If this money were actually owed, why was I never contacted by anyone from the City of XXXX, nor from any debt collector, until now? This belies belief, and it doesn't add up. Either Linebarger has gotten some bad data, or mis-interpreted that data.
Product: Mortgage

On XX/XX/2020, I received a call from a Mortgage Loan Originator, XXXX XXXX, from XXXX XXXX XXXX, in XXXX, NJ, regarding my online inquiry. After speaking for a few minutes, asking what their current rates were and letting XXXX know I just started to shop around with different lenders to refinance and shared what another lender was offering my wife and I to see if Homebridge rates would be comparable, he began telling me to watch out for brokers. I explained the quote I received was from a lender, not a broker. XXXX seemed to be combative and focused more on telling what I should or shouldn't do, rather than what he can do for my wife and I. I explained the quote I received was in writing as he was implying the person who gave me the quote, was deceitful. I stated my wife and I may give them a try. XXXX then, in a snarky tone said, " Good luck with that, '' and abruptly hung up on me. His last words were not genuine, but clearly dismissive. We were not mutually ending the phone conversation, nor was it done in the typical universal way two people hang up. I never got to say thank you for calling me back, or be well. 

Minutes after he hung up on me, I emailed XXXX and told him how rude and unprofessional he was and that I'd definitely be taking my business elsewhere. He replied back via email with continued rudeness and arrogance, coupled with a misrepresentation of the facts regarding our phone conversation. I never stated I didn't want to apply online to refinance. He lied in saying we were mutually ending our phone conversation when that was not true. He abruptly hung up the moment he felt we might not work together. 

I contacted Homebridge via their website to inform them of my experience and was told, XXXX XXXX, the Divisional Vice President, would reach out to me to discuss my concerns. He never did. It seems this unprofessionalism starts at the top, which would make sense as to how someone in XXXX 's position would not hesitate to handle a potential customer ( or anyone for that matter, even if he felt I was not going to give him my business ) the way he did. What makes it more shocking is the fact that XXXX is a Branch Manager. 

I have attached all email correspondence. You can see how unprofessional and arrogant this employee is solely based on what he told an employee within Homebridge, from the Customer Commitment Department. These types of verbal attacks against those who are not clients of Homebridge, seem to be common place for XXXX to speak freely like this to an employee, who is supposed to handle grievances with the company. 

On XX/XX/2020, I followed up with Homebridge and expressed how it is evident that the poor customer service with Homebridge runs from the top down, since XXXX XXXX never contacted me.
Product: Money transfer, virtual currency, or money service

This guy on XXXX is doing a fraud bible and he takes people information and makes money from it he did it to my friend and myself and a lot of others his username is XXXX.XXXX  and hes doing fruad and stealing identity I would like him in jail. He has stole thousands and his friends do it too
Product: Credit reporting

Transunion continues to report inaccurate information on my credit file and denies me access to Transunion as the law requires. I have sent Transunion a dispute via certified mail, via fax and via regular mail. I have waited more than the 30 days allowed by FCRA. They simply respond that the account is verified and do not do anything with my dispute. I 've even contacted some of the original creditors and they have confirmed no contact has been made with them. They simply drag out the process to make sure that they can keep reporting negative inaccurate information because of course that is how they make their money. This credit bureau consistently fails to comply with FCRA as they do not properly investigate or verify the accounts the report on consumer credit files.
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. DO NOT INFORM THE CONSUMER TO CALL IN AND DISPUTE BECAUSE EXPERIAN DOES NOT ANSWER THE PHONE AND THERE HAS BEEN AN EXTENSIVE AMOUNT OF EVIDENCE TO SUPPORT CONSUMER 'S CLAIM. YOU HAVE ALL THE ACCOUNTS AND ALL DOCUMENTATION TO PROVE CONSUMER RIGHTS AND IDENTITY HAS BEEN VIOLATED. CONSUMER HAS MAILED NUMEROUS AMOUNTS OF DOCUMENTATION TO PROVE THAT ALL ACCOUNTS ARE FRAUDULENT, AND EXPERIAN WILL NOT ABIDE BY THE LAW AND REMOVE FRAUDULENT ACCOUNTS. EXPERIAN HAS IGNORE A 1099 C ( CANCELLATION OF DEBT ) STRAIGHT FROM THE COMPANY ITSELF AND THEY REFUSE TO REMOVE THIS ACCOUNT. IT IS FRAUDULENT. EXPERIAN IGNORES FTC REPORT WHICH IS A VIOLATION OF CONSUMER RIGHTS AS TO NO ACCOUNTS SHALL BE ON A CONSUMER REPORT AND A CONSUMER SHALL HAVE THE RIGHT TO PRIVACY. EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. DO NOT " VERIFY '' FRAUDULENT ACCOUNTS THAT DO NOT BEAR WET INK SIGNATURE THE " XXXX XXXX ''. XXXX AND XXXX XXXX HAVE BOTH REMOVE FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. EXPERIAN HAS MADE SEVERAL VIOLATIONS AGAINST THE CONSUMER. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. POLICE REPORT HAS BEEN MAILED CERTIFIED MAIL STATING FRAUDULENT ACCOUNTS ARE NOT CONSUMERS. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, which in turn is a stockholder of XXXX XXXX XXXX XXXX the XXXX  XXXX subsidiary that owns the shares of. I WILL BE FILING FORM XXXX XXXX XXXXXXXX FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit card or prepaid card

I have been in contact with XXXX and Capital one, as our account with XXXX was closed/terminated by the company, and Capital One is refusing in assisting in the collection of funds paid for a voucher, which I was unable to use or access. 

Furthermore, two Items returned inside one box with XXXX, and XXXX agreed to refund for both items, and have issued credits " bucks '' ( as shown in pdf attached with title " 2 '' attached ) - however that day the account with XXXX was closed by XXXX, and I have not been able to access such funds. On an email from XXXX and attached titled " 5 '' it states that the Terms were violated, as a reason for the closure, however, I never clarified exactly what specifically was this, and over the phone, XXXX assure me that are refunds were issued to Capital One. 

Capital One just provided one item refund, finally one transaction with XXXX was not authorized and no refunded by Capital one. 

Last communication with capital one " Case : XXXX XXXX XXXX XXXX. I have provided the same information several times, regarding the dispute with XXXX for original order : Order Details The order number for your purchase on XX/XX/2020, is XXXX. Description : XXXX XXXX XXXX XXXX : Front or Rear Brake Pad Replacement for Car Redeem with : XXXX XXXX XXXX  1 {$120.00} Subtotal : {$120.00} Discount : - {$25.00} Total : {$100.00} - Because the Location was closed and not accepting voucher from XXXX, XXXX gave me the opportunity to use the amount here in a voucher in 24h for any other deal, however, at that time, the account with XXXX was closed, which did not allow me to use it in any way. 

I believe this was caused due to the return of two items from a previous order, which I included in the same package, instead of mailing two different packages. This was a mistake on my part because I only received a refund for 1 XXXX  instead of 2 ( Case # XXXX XXXX XXXX XXXX ). 

I have taken a picture of the note and tracking number which I included in the package return to XXXX. I was told that two items were received by XXXX on chat with customer service, as they were able to confirm in the warehouse, by weight, etc, nonetheless, I only received a refund for one item apparently until now. 
Case XXXX XXXX XXXX XXXX XXXX XXXX This charge of XXXX from XXXX also, I was just told by a Capital one agent that reminded me and did not see the credit on the account. I am unaware of this transaction and requested credit as well. 
Please contact me if you require any further clarification. I was never contacted by Capital one and it is very frustrating. '' Finally, I also had XXXX and XXXX credits issued, but not accessible for same reasons as described previously.
Product: Credit reporting or other personal consumer reports

This is my second 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX  XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX XXXX XXXX {$740.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA, XXXX XXXX  XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX ( XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXXXXXX XXXX XXXX Balance XXXX {$230.00} XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$740.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash app All the transactions that happened in XX/XX/XXXX ( {$300.00} ) wrong transactions didnt do them. when I sent the wrong person money. XXXX XXXX XXXX XXXX {$140.00}.
Product: Mortgage

1. I was granted homestead exemption for my property located in FL for this year, Since the start of the year Fay servicing has yet to attach to my account.

2. Once my mortgage was switched from my previous lender that I actually obtained the loan from, my payment has doubled without any knowledge or notice. I reached out to Fay servicing asking for an explanation just to get a response stating that they didn't know why and that I had minimal information in my account.

3. I advise them I would like this resolved asap for me to be able to continue making my monthly payments, I have not received any corispindice from the company since in regards to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  acct XXXX XXXX XXXXXXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, and XXXX  XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, states I have a right to privacy. 
15 U.S.C. 1681 section 604 A, also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

My mortgage company is trying to increase my payment because they THINK there MIGHT be a shortage in my escrow account They wrote " This shortage likely was caused by changes in your taxes and / or insurance '' I don't think i should pay more because they think something might increase and they don't even know what it is it is only " likely '' If anything legitimate in the escrow increases and a document is produced by the company increasing something i will have no trouble to pay that but i am very reluctant to pay on a HUNCH the something MIGHT increase
Product: Money transfer, virtual currency, or money service

Coinbase.com unable to verify wallet after XXXX disabled my email and I changed my number after relocating. Balance is visible and funds unavailable still 2 years later
Product: Credit reporting or other personal consumer reports

I have continued to communicate with the credit report agencies TransUnion and XXXX but they continue to state that the report is correct which it is not. I have provided the closing statement for the creditor in question and no changes have been XXXX have uploaded the balance shown on XXXX that TransUnion and XXXX should be similarity reflecting.
Product: Money transfer, virtual currency, or money service

It has been a month now and cash app had yet to give me access to my funds in my closed account with cash app. The funds are stemming from a disputed transaction for {$500.00} that was not made due to an atm error. Along with disputed transactions from unauthorized transactions with the total of those transactions totalling over + $ 1k.
Product: Credit reporting or other personal consumer reports

I listed 2 fraudulent inquiries from my Transunion Credit Report. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Listed inquiries do not belong to me and must be removed form my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. i am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.