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

When applying for a credit card XX/XX/XXXX, my application was denied. XXXX revealed XXXX student loan accounts opened with my name as a co-signer by my father XXXX XXXX. The debts amount to {$340000.00}, all dating back collectively to XXXX. I never authorized permission for my information to be used for any of these student loan accounts. Since XXXX, I have never received any phone calls/mail invoice regarding these accounts. 

I have managed to clear these fraudulent records from my XXXX and XXXX reports. However, NELNET continues to report these accounts as accurate to XXXX I have contacted NELNET, received their identity theft forms, and returned their requested notarized documentation late XXXX. I have not received any confirmation the requested documents were ever received during subsequent phone call correspondence. 

SPECIFIC ISSUES : My SSN does not bring up the fraudulent accounts with NELNET. I could only utilize my fathers information to reveal the accounts when on the phone with NELNET. 
XXXX  website issues preventing convenient access to dispute status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting that I was late on my payments for 60-90 days but I have proof payment was made in advance for the months they are claiming, payment was not received. I contacted them over the phone and they informed me they can not do anything about it or make changes since it is already being reported. 

I have written to XXXX, Equifax and XXXX, for the past seven ( 7 ) months, regarding the inaccurate information they are reporting on behalf of XXXX XXXX about my payment history. The three bureaus are reporting my payment history as XXXX, was past due 60 days OR Paid or paying as agreed but reflects the inaccurate missing payments, still, under section two-years payment history. 

I have sent out over three letters asking to validate debt and providing letters with proof of payments. This is effecting everything from buying a home to my health. I really would like to get this resolved. My account is still open. 

Late payment is for XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX but those payments were made. 
XXXX payment was made on XX/XX/XXXX for {$30.00}. 
XXXX payment was made on XX/XX/XXXX but my minimum payment of {$30.00} was made XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX , and I am sending this request myself to address the inaccuracies on my Credit Report. 

The 3 Credit Bureaus are currently showing 30 days late for the month of XXXX to XX/XX/2019. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has, yet again, reported incorrect information on my credit report. This time it's on my XX/XX/2020 credit report ( XXXX ). The account in question, is XXXX XXXX - XXXX. 

The errors on the above referenced account, include : I. reporting the wrong " Payment Received. '' Should show {$230.00}. Currently shows, " XXXX. '' 2. reporting the wrong " High Balance '' date. The high balance showing was in XXXX. The current balance is {$2600.00}. That's a lot less than the original amount of {$14000.00}, which Transunion is showing as the " high balance '' as of XXXX. This is an egregious error, which distorts the true status of my credit worthiness!!
Product: Credit card or prepaid card

I am requesting assistance regarding the situation with Target Mastercard ( TD Bank ). 
Back in XXXX of XXXX, my line of credit was decreased from {$9000.00} to {$200.00}. I did not receive a letter that this major change was going to occur. I witnessed the change in my credit report. 
The credit card was used during the holiday. 
I returned some items and made a payment in XXXX where I believed that my balance was cleared. 
My statement was an e-statement, I do not frequently check email unless I know that I had a bill to be paid. The balance was {$9.00}. 
On XX/XX/XXXX, when I saw the bill, I immediately paid the amount and I changed my statement type to receive it by mail. 
I started receiving alerts that there was a change on my credit report and went to review the situation and saw the credit limit change. 
This was disturbing because this was not a large amount where I was not paying because I wanted to neglect my responsibility on purpose, it was because I was unaware. 
This damaged my creditability on my credit report, when I applied for a loan, I had to explain this incident. 
I opened a ticket with XXXX XXXX XXXX to work with TD Bank ( Target ) in XXXX of XXXX. 
This request to have my credit limit reinstated was declined, I was not offered any type of grace for the incident, my payment history was on time previously. 
According to the Fair Credit Reporting Act, the creditor shall provide written notice of any significant change such as this large decrease. The cardholder shall receive notice no later than 45 days prior to the effective date of the change. I never received any type of notice about the significant change before it occurred. 
Here it is XX/XX/XXXX, I have used my credit card and paid on time, and still the limit is still set as {$200.00}. 
I wrote a letter and sent it on XX/XX/XXXX to their XXXX, XXXX address and have not received any response. 
I would like to request assistance from your business to work with them to increase my limit. 

Thank you in advance with this matter. 

The letter information : TD Bank XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, CA Dear XXXX XXXX : On XX/XX/XXXX, my Target Mastercard credit limit of {$9000.00} decreased to {$200.00}. Im a long-time customer and I really enjoy using the Target Mastercard. According to the Fair Credit Reporting Act, the creditor shall provide written notice of any significant change such as this large decrease. The cardholder shall receive notice no later than 45 days prior to the effective date of the change. I never received any type of notice about the significant change. The decrease in the credit limit has also caused damage to my credit score. Also, it caused other credit card companies to view me as high-risk. Im looking to get this issue resolved and have the credit limit increased back to {$9000.00}. 
Thank you in advance for your assistance with this matter. 


Sincerely,
Product: Credit reporting or other personal consumer reports

The following accounts are not mine and were unauthorized : 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: Debt collection

XXXX XXXX XXXX refuses to take my payment in full citing an agreement entered into with the CFPB
Product: Mortgage

The old mortgage company was XXXX XXXX XXXX and out mortgage was sols to RATE MORTAGE. 

It was purchase for the face value and not there trying to get the money for the old company late fees that not right. 

The past late fees should be waived and the montage should stand with a fresh start their just trying to put the squeeze on the little guy. 

i would like some help to take care of this what their doing is wrong and bad business. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX claims that we missed 2 back to back car payments. We have bank statements proving the money was taken out of our account by the due date. They claimed it had been reversed but no where in our statement was the money returned. They claim that in their system we only missed the month of XXXX. 4 different months were reported on 3 different credit reports as being late payments. Our car payment is {$340.00} a month, sometimes we are charged that, sometimes we are charged {$100.00} more. The first time I called to get this resolved the woman stated that they had a glitch in their system and our payment was now late for XXXX. We set up auto withdraw payments 3 times and they had been working. She was very rude and refused to let me speak to someone higher. She said she would investigate the issue. My husband made me an authorized user as well. That was Friday, today is Monday. I just called and the woman that answered said that the entire system was down and she couldnt access any accounts, she said to try again in 2 hours. I called back 10 minutes later and tried to speak with another woman who said I wasnt an authorized user on the account ( she had no issue accessing the account ). Next, we tried to log into our online account and they have it locked. Not only are they charging us sometimes {$100.00} extra a month, but they are falsely reporting to the credit bureaus. We are trying to buy a house and no one will approve a loan with 2 back to back missed car payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries dont belong to me and the information is being reporting inaccurate I believe my information might have been in the wrong hands. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX would like these items removed immediately
Product: Debt collection

Over the past several years, I have sent numerous letters to Central Financial Control in XXXX, XXXX requesting evidence of an unsubstantiated collection they placed on my Experian credit report. 

Central Financial Control has ignored every letter I have sent them. Although they have ignored my letters, they had no problem verifying the unsubstantiated collection when I have disputed the account with XXXX. 

I have reached out to the CFPB in the past. On XX/XX/XXXX, my story about Central Financial Control was published on the CFPB website and I see that it is still listed on your XXXX XXXX article. I was notified XX/XX/XXXX that the CFPB had taken action against Central Financial Control for failing to send debt validation notices and for failing to respond to consumer disputes. I was told that consumers who have been mistreated by Central Financial Control would be identified per the order by the CFPB. I was also by the CFPB that I would finally receive a response to the many letters that I have sent over the years. This has not happened and it 's been over a year now since the CFPB took action against Central Financial Control. 

I sent my letters via certified mail so I have proof they were received. I can provide the CFPB with all the documentation I have kept which includes certified letter receipts, credit report disputes with XXXX and proof that Central Financial Control verified with XXXX while never responding to me. Because this has gone on so long now, I have filed complaints with the FTC, and the Attorney General of XXXX and XXXX. 

Using credit reporting as a tool to collect an unverified debt is very unfair treatment. Nobody should have to find out that they have been accused of owing an alleged debt by finding it on their credit reports. It 's so embarrassing because I pride myself on paying all of my bills in a timely manner. Other than Central Financial Control, my XXXX credit report is perfect. 

Put yourself in my position for one second and think about how you would feel if you had spent your entire life working hard and paying your debts and then reviewing your credit report and finding out that you are being accused of owing a debt that you were never notified of. It is a horrible feeling that I can not properly describe. I feel that I have been more than patient. My prayer is that this horrible situation can be handled in a quick and civil manner.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the outcome of your investigation regarding the fraudulent account ( s ) or transaction ( s ) reported under my name. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate or fraudulent information on my credit report and to have it thoroughly investigated.

Despite my previous submission of a consumer fraud affidavit and supporting documentation, the investigation has not resolved the issue of identity theft related to my account ( s ). As a victim of identity theft, I have been subjected to unfair financial harm, and the reported information remains inaccurate.

I am requesting a reinvestigation of the matter, as I believe that the response provided did not fully address or resolve the fraudulent activity. Additionally, I expect that this disputed item be marked as in dispute on my credit report, per FCRA regulations, while the investigation is reopened. 
Please be advised that under the FCRA, you are required to complete this reinvestigation within 30 days and provide me with a written notice of your findings. If the fraudulent activity is not removed or corrected within that time frame, I will consider further legal action, as permitted by the Fair Credit Billing Act ( FCBA ) and other applicable consumer protection laws.

Thank you for your prompt attention to this matter. I look forward to a timely resolution and the removal of this fraudulent information from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> ordered items from XXXX using XXXX card. Items not delivered PROVABLE by deliverer 's photo. Item not ordered but substituted by XXXX was delivered. It was defective. After many complaints these 2 partes KNOWINGLY refuse to adjust the account and INSIST that I pay for BROKEN UNORDERED UNDELIVERED XXXX That is called FRAUD where I come from. Even worse the CFPB holds these totally INCOMPETENT vendors to no standard of accountability. Experian as well has been NO HELP whatsoever in correcting this MALICIOUS nonsense. They have not only failed to correct the situation but have LOWERED my credit rating causing me economic harm. The INVESTIGATIONS are utter bulltish and fly opposite of FACTS, TRUTH, LOGIC and REASON. I am expected to pay for items with NO economic utility or even possession. NOT GON NA HAPPEN. 

Photo proving my case can be sent to any involved party upon request. No one has provided a safe email address for me to send it to.
Product: Money transfer, virtual currency, or money service

My residence is in XXXX, an approved country for CoinBase users. 

I have been a CoinBase user since mid-XXXX, always satisfied with the service, transacting mostly between LTC, BTC and EUR as an amateur trader. I verified my account with passport, bank account in my name for XXXX transfers, and provided proof of residence. 

Over XXXX XXXX I visited XXXX, where I tried to access the website, not aware this was against CB 's terms of service. As a result, my account was locked and I was asked to provide extra materials to confirm my residency was not in XXXX. I complied, providing copy of passports, proof of residence with bank statements, even including a confirmation of my hotel in XXXX. 

It has been almost over 2 months since I've had access to my account and funds. I have since been in touch with their customer service reps, who were very friendly and escalated my case 'to the highest priority level ', but nothing has happened to resolve the issue. All I get is automated responses via email. 

I have in excess of USD XXXX, - in my account and want to regain access to my funds. CoinBase is not responding to my efforts to resolve the issue, I've offered all the documentation they asked for and more, and I've been emailing and calling. My account is still restricted and there is no outlook for any resolution. All I can do is call, get the same response, and I'm discouraged from making new tickets to call attention to my funds being held hostage.
Product: Credit reporting or other personal consumer reports

I recently submitted a document for Fraudulent XXXX XXXX account Staying I was not the owner of the account that was opened under my information. The account was removed on XXXX XXXXmy score went up XXXX point. A XXXX XXXXXXXX account was deleted several weeks ago. The score moved XXXX plus points. I really dont understand. I have experienced great stress harassment false information about account information damages and inaccurate reporting of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XXXX, XXXX and XXXX I have consistently notified all three credit reporting agencies that the name and negative credit information on my credit report belongs to someone else. I personally believe they are ignoring information such as : SS #, Address, account # s and the name and information of someone who has never appeared on my credit report for over 30 years of my life is now being added to my credit file on a monthly basis. I dont know who this person is and I have disputed these illegitimate entries but I truly believe the credit reporting agencies are purposely gathering false information or purposely not ensuring they have the right consumers information.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I found several hard inquires that I did not authorize. I contacted each company and was told to contact the credit bureau to have the inquiry deleted. After contacting the credit bureau the fraudulent credit inquiry has yet to be removed. I am requesting each inquiry to be removed immediately. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureaus. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX  XXXX Balance Owed : {$6100.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$260.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX  XXXX XXXX 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 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 Owed : {$6100.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance XXXX : {$980.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I dont know what this company is and have not gave consent to have my information. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three Credit Reporting Agencies regarding the inaccurate information they were posting on my Consumer Report. They did not provide me the information requested, physical validation of the late payment on my XXXX  XXXX account, as well as XXXX XXXX. In accordance with 15 USC 1681i, the procedure in the case of disputed accuracy, the account/negative information should be removed off of my consumer credit report within 5 days of receiving the dispute, pending the outcome of the re-investigation. This was not done, which backs my argument that the Credit Reporting Agencies never investigate my claims from the first dispute letter I sent. In addition, pursuant to 15 USC 1666b, there is no such thing as a late payment, so how is it that they are reporting something to my credit that the Federal Law said does not exists, that is fraud. Pursuant to 1692g, I am supposed to notified 5 days before anything is added to my credit report, that was not done either. These are just a few of the violations that the agencies committed against me..
Product: Credit reporting or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain inquiry in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
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 reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX  transferred the loan to  XXXX   XXXX  when it was in consolidation and in forbearance.  XXXX  then worked with me putting them in Forbearance until they transferred the loans to  XXXX  where the loans are in good standing and in deferred status while I am pursuing a  XXXX   XXXX   XXXX  . All  XXXX  bureaus as showing the originals  XXXX   XXXX   XXXX   XXXX  account as Closed.  XXXX  is reporting the same accounts as Closed with different account numbers and with delinquent payments.  XXXX  shows yet again different numbers but they are in good standing.  XXXX , Transunion, and   XXXX    are all doing the same. I have requested that these be investigated for years and the response is always the same. That the information is correct upon their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to purchase a vehicle any times. Every single time I get denied and I just don't understand why. This last time I asked the car salesman to show me a copy of my report. I wish I would of took a look at my report months back. There are several collection accounts and a loan on my report that if not mine. Please remove these accounts from report.