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

Dear who may be concern, My name is " XXXX XXXX XXXX '' .I request investigation on those items I list below as they are inaccurate and not belong to me. 
If inaccurate, they must be removed in order to show my true credit history, as these items should not be on my Credit Report. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days. 
**Name Reported** _XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
All of these name above are incorrect, The most accurate name would be report is only " XXXX XXXX XXXX ". 
**Employment info** _XXXX XXXX XXXX XXXXXXXX XXXX XXXX These employment information is not mine, please delete it. 
**Addresses Reported** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These address is not mine and incorrect. I have listed proofs of my current address in the attachment below. 
**Credit cards** _XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipt any loans or credit from this company. Please delete it!! 
_ XXXX XXXX XXXX  XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, Please delete it or provide me full documentation. 
_XXXX XXXX Reported : XXXX. XXXX, XXXX This account state that I have lated payments on XX/XX/XXXX, XX/XX/XXXX. However, I never late and paid on time. Please update payment agree. 
**Other Loans** _ XXXX Reported : XXXX. XXXX, XXXX I never used XXXX service. I have been using XXXX for years. I have attached my proofs payment with XXXX I don't own XXXX any money. Please delete!!! 
**Account** XXXX Inquiry : XX/XX/XXXX This account isn't mine, delete it!! 
**Account** XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I never receipted any loans or credit from this company. Delete it!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} Reason : This account is incorrectly reporting that I have XXXX late payments. On my XXXX report there are XXXX late payments being reported. 

Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$250.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$740.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$57.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$3200.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Checking or savings account

I opened account in XX/XX/XXXX, made 3 deposits of XXXX, total amount XXXX, left the money in for 60days, this should have qualified and was also confirmed by customer service to meet the {$500.00}. Savings bonus offer ... .called two months ago and they said need to be 60days, then within 90days after u would receive bonus ... here we are almost 7 months later and nothing has been added to the account ... XX/XX/XXXX statement
Product: Credit card

Made a payment on XX/XX/XXXX for {$4900.00} XX/XX/XXXX - payment returned for insufficient funds Payment issue resolved shortly after. 

XX/XX/XXXX {$3800.00} XX/XX/XXXX - payment returned for insufficient funds Payment issue resolved shortly after. 

There is no policy in place that states that credit card will be canceled after 2 returned payments in a calendar year.
Product: Debt collection

LVNV Funding, LLC has reported an erroneous collection to the credit bureaus. They claim that I owe XXXX XXXX. I have NEVER had a XXXX XXXX credit card. I've asked LVNV via USPS certified mail to show an agreement that authorizes them to collect this alleged debt, an agreement that bears the signature of the alleged debtor wherein he promises to pay the alleged debtor, and complete payment history on this account as to prove that the debt amount you wish to collect is correct. They have provided NEITHER. This company 's irresponsible behavior has tarnished my credit worthiness.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered
to the consumer not later than 21 days before the payment due date.

never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance : {$2400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

CitiMortgage & their law firm XXXX XXXX XXXX ( Missouri ) continues to send foreclosure letters ( Dual tracking ) while I am in the process of a loan modification on my home. The foreclosure date is now scheduled for XX/XX/2018. All the while CitiMortgage continues to ask for additional documents and no determination has been been made. 

Citimortgage will not accept any payments, nor tell me where to send payments to either. I don't know whether to send payments to CitiMortgage or their Law firm XXXX XXXX XXXX. 

They also refuse to consider my husbands income as I am currently ill & pregnant and can not work. The mortgage loan is in my name. Citimortgage will not agree to add my husband to the mortgage either.
Product: Student loan

A fraudulent XXXX loan claiming us to be co-makers of a loan not underwritten by the US Dept of Education was discharged in a bankruptcy action filed in the United States Bankruptcy Court XXXX/XXXX/03, and discharged XXXX/XXXX/03, case No. XXXX. XXXX, now known as Navient Solutions Inc. continues to harass us for payment by referring the account to various collection agencies ( Approximately XXXX at this writing ). We would like this action to cease.
Product: Payday loan, title loan, or personal loan

I had a installment loan with Sheffield Financial and I paid it off in XX/XX/XXXX I have been waiting for a title, and was told many times by Sheffield that the title was sent to the bank that sent them the check to pay it off, now Sheffield can not find the title and it still shows at XX/XX/XXXX credit that I still owe XXXX and have not made a payment since XX/XX/XXXX but Sheffield states I have made all my payments and the loan is closed and they sent the title in error to XXXX bank. now I cant do anything but wait and here it is XX/XX/XXXX and I still cant sell the vehicle since I have no title.
Product: Credit card

Made payment on XX/XX/XXXX in and amount of {$41.00} and received confirmation number from customer service. I have had problems with this company in the past for the very same reason. Two ( 2 ) weeks ago I was contacted by Citi that the payment wasn't made. I gave them the confirmation number and they said that the account from XXXX XXXXXXXX XXXX  had insufficient fund. In XXXX XXXX XXXXXXXX, I changed banks to XXXX XXXX and notified them immediately and have made monthly payments since that time. For some reason they can not understand this information in spite of my repeating the above-mentioned information several times in the past 2 weeks to include 4 phone calls from them today. I'm exhausted with them and have cut up my Citi Bank credit card and will continue to make timely, monthly payments minus the ridiculous late fees they have added. I truly don't understand why they don't understand that people change banks. I also don't know how times I am expected to tell them about the confirmation number for the XXXX payment and continue to give them the new bank name of XXXX XXXX while they are trying to get money from XXXX XXXXXXXX XXXX which I told them I closed in XXXX of last year. Thank you for any assistance you can give me. I am blocking their phone number and email because I don't know how many more times I can explain this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, & XXXX were notified of accounts that were inaccurate and a request of validity was mailed to them twice XX/XX/2023 & XX/XX/2023. As of today my credit report is still the same and these bureaus have failed to respond and investigate my dispute.
Product: Debt collection

I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : Sunrise Credit Services The address listed on the credit report is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The account number that they are reporting is " XXXX '' I was advised to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. USPS.com tracking shows that it was delivered on XX/XX/XXXX at XXXX XXXX. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. 

Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has been 53 days ( Today is XX/XX/XXXX ) and they have not sent me anything at all. I have given well over the 30 day window for them to correct this and validate this debt they're reporting, but they have not done so. 

Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and Sunrise Credit Services have NOT removed this account from my credit reports, or have sent me any kind of validation. 

I request for this company to remove this account from my credit reports immediately, as they have not followed the law, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. 

Thank you for helping me resolve this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was locked out of my Coinbase account. I tried to get in and I was not allowed in so I decided to change my password in which I did. Everytime I tried to log in Coinbase would send me a validation code I needed to enter my account via text message. Every time I used the code they sent me, it would say invalid code. This was done over 10 times and I would always recieve a message saying invalid code. These are the access code sent to me by Coinbase themselves. I tried calling them and Coinbase does not allow you to speak to anyone by phone, only through email. This is so unprofessional, seeing that they have billions of dollars from customers on their platform. Having this much money belonging to clients and not being able to speak to someone physically is completely wrong. I sent them several email and many went without a response and the 2 they replyed to told me my file was closed and that they could not assist me any further. I kept sending emails telling them email stating I needed access to my account and it was completely ignored. At this point i am in a state of panic, because I recieve a message telling me that my XXXX litecoins and my XXXX xrp coins were converted to Bitcoins. I authorized no such transaction. I gained access to my account on the XX/XX/XXXX only to see that I had no more xrp and litecoins in my account, it was all converted to bitcoin. There was also a sale of XXXX of bitcoin from my account. All these transaction were unauthorized and unknown to me. I have been emailing Coinbase that I need an explanation as to what is going on and they refuse to reply. This is so lowdown and dirty by Coinbase. They are very crooked and unprofessional. I need answers or I will take legal action. Coinbase needs to compensate me for all the troubles and return any fees taken from these unauthorized tranactions. I was trying to purchase coins at a lower price and now the coins went back up, so if I were to convert them back I will lose on the amount of coins I initally had. Fraud!!!!!!
Product: Money transfer, virtual currency, or money service

Cash app failed to take any time or effort to help resolve issue concerning my account. Wasn't no able to speak to customer service and funds never was returned to my account. Their business and the way they do things is unfair to all customers.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

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. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

i call and they said that I has to call XXXX, when I call XXXX they said that they not have a inquiry in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with the Credit Rating Agencies. I had a " Excellent '' personal and business credit rating for over 25 years. Like so many others I lost everything as a direct result of the XX/XX/XXXX financial meltdown and was forced to file for bankruptcy. I spent the last 7 years rebuilding and now have a " Good '' credit rating and sizable amount of cash. I'm unable to secure a mortgage or have access to reasonable interest rates because the " rating agencies '' insist on keeping a bankruptcy on record for 10 years. This is an archaic and arbitrary time frame that is hurting the consumer and the economy. Someone has to look at this problem and apply a little common sense. I sent detailed letters to CFPB on XX/XX/XXXX and again on XX/XX/XXXX with no response.
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive documentation and evidence to support the correction of this late open account, it continues to inaccurately appear on my credit report. This persistent error not only undermines my financial reputation but also hampers my ability to access credit and secure favorable financial terms. Immediate action is imperative to rectify this matter. I expect a thorough investigation into why this late open account persists on my credit report despite multiple requests for correction. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Also, I request compensation for the significant inconvenience, stress, and potential financial harm caused by the continued presence of this incorrect late open account on my credit report. It has negatively impacted my ability to obtain credit and pursue other financial opportunities essential for my financial stability. The following accounts should be corrected as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had gone to XXXX  XXXX back in XXXX XXXX and visited the restaurant " XXXX XXXX ''. They charged my credit card as i ate food there. I am currently in XXXX XXXX now as i live here and on XXXX XXXXthe restaurant charged my credit card for the amount of {$70.00}. I had filed XXXX disputes with my bank ( td ) and they denied it twice. I even faxed them proof that i was in XXXX  XXXX  at the time of the fraudulent charge and that there was no way i could have been in XXXX  XXXX. Unfortunately nothing has been resolved and i should NOT be responsible for this amount.
Product: Debt collection

I was not given written communication regarding this debt before they put it on my credit report.
Product: Credit card

I have attempted to resolve these issues over the phone but, it seems like im just getting the round about and i really need this issue resolved because it is holding me back from moving forward in life. Please help me. The dates below are when they cards were opened, best of my knowledge. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX