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

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter, it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MYNAME. The account is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high-risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all, I know that under FCA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

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

Ive been going over my credit report and I saw some incorrect accounts that were on there.

I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit?

My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Product: Credit reporting or other personal consumer reports

My information was purchased or obtained on the dark web and used to open credit card accounts and cellular accounts. My information was also used to try obtain automobile loans and personal loans, Ive been fighting with companies non stop and had little to no luck. 

I will not continue to be a victim of identity theft and need this matter resolved immediately. 

I am protected by law 15 USC 1692g and hope and pray that these companies do the right thing.
Product: Credit reporting or other personal consumer reports

My identity was compromised during several data breaches and my social security number has come up on the dark web according to my XXXX account alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report that is old debt. that I have no idea of and is not my debt, I would like the credit agency to delete these items. they are being bought and sold by credit collection companies, And hurting my credit status. I have been disputing these items since last year XX/XX/XXXX, XX/XX/XXXX, and present. These credit agencies are unethical and are in full support of the collection agencies.
Product: Mortgage

My girlfriend and I are shopping for a mortgage. On XXXX XXXX, 2015, she visited a local Chase branch ( XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) and spoke with a mortgage banker named XXXX XXXX to find out what loan rates they could offer us. As part of the process, she called me to ask for my SSN. I stopped and inquired what it would be used for and was told they had to put it into their system to get an accurate rate quote. 

Next thing I know, she is calling me on the phone to ask questions about details from my credit history. He had apparently pulled my detailed credit report and was going through it with her discussing specific findings he was pointing out. It was very upsetting for me to me try to understand what they were seeing and referring to. He also gave her a printed copy of my entire credit report to take with her in a clear breach of my privacy. 

At no point did I authorize them to release details from my personal credit information to a third party. If there were particular items to be addressed, he needed to set up a time to discuss my personal information with me directly. 

My overwhelming concern is that this experience proves just how easily anyone could take someone else 's SSN into a Chase branch, chat with a mortgage banker, and with very little social engineering, walk away with someone 's entire credit history.
Product: Student loan

On multiple occasions I have contacted Navient requesting to get my student loans lowered and get my brother off as my co-signer. Each time I speak with someone I am told something different and that they can't do anything for me. They will not lower my student loans because they base my payment off of mine and my brothers income which is unfair. I need to know how if what their doing to me is legal, not allowing me to dismiss my brother from MY loan as a cosigner and not letting me use the programs offered for payment plans, something doesn't match up.
Product: Checking or savings account

I sent correspondence to Frost Bank 's corporate office on XX/XX/2021 and then again on XX/XX/2021 when my letter from XXXX was never responded to. In the letters ( attached ) I submitted a very detailed and important merchant dispute totaling {$6800.00}. I called repeatedly to check on the status of my correspondence and the Frost Customer Service people would tell me they do not see a letter received but I need to give that department 90 days to process. I continued to follow up and went to a branch in XXXX in XXXX TX and spoke with a representative named XXXX and she told me no letter was ever received and the amount of time to dispute has now past. I sent a letter to the CEO of Frost Bank about the situation and they referred it to a XXXX XXXX. She advised me they located my letters but they were never logged or processed and they can use this as a training tool to keep it from happening again. However, Frost has not reimbursed me for their processing error. In good faith I have entrusted Frost to handle my financial transactions and they need to be responsible for financial correspondence that come to them or be liable for their errors. I need Frost to reimburse me immediately the {$6800.00} in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Sent XXXX XXXX  XXXX, XXXX, XXXX and Equifax a letter to have my account checked for audit and accuracy. XXXX  XXXX XXXX Never responded ..... Please permanently delete this credit card account from my file. per 15 U.S.C. 1681S-2 ( b ) ( 1 ) ( E ) ( iii ) The response time was only allowed 30 days they are way over that period. 15 U.S.C. 1681S-2 ( b ) ( 2 ) and FCRA 611 ( a ) 1
Product: Debt collection

hi I received a letter from XXXX on XX/XX/XXXX stating my loans were discharged and cancelled, then I received a letter from a collection agency on XX/XX/XXXX stating I owe XXXX dollars im exhausted dealing with them they have taken my tax return in the past 5   years.please help they are getting ready to take my refund for this year aswell
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I pulled my credit and noticed an account from Collection Bureau of Ft Walton Beach with a balance of {$42.00}. I assume this came from a medical bill since the original creditor was XXXX XXXX. I paid the balance due over the phone and was promised, calls are recorded, that the account will be removed/deleted from my credit report sinceI paid in full. It's more than 30 days later, and the account has still not been deleted.
Product: Mortgage

I first tried to do conventional, however the home is in XXXX XXXX XXXX and has to go FHA for whatever reason. The first Loan place, XXXX- XXXX XXXX XXXX NMLS # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX phone XXXX did the appraisal. this lender could not do FHA so i had to go thru a different lender. XXXX XXXX NMLS # XXXX Loan Processor XXXX XXXX XXXX, XXXX. NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX Phone : XXXX XXXX. XXXX Fax : XXXX the first lender did the appraisal and refuses to give to the new loan officer.  and FHA will only take the first appraisal so i can not have another done. XXXX XXXX is trying to wait as long as possible to make me loose this house as my closing date is X/XX/2017 and if he does not hurry up and turn over the appraisal i can not get everything done it time.
Product: Credit reporting or other personal consumer reports

I sent several disputes to resolve this situation asking for physical verifiable proof under FCRA laws and each time the company never sent anything just update its verified each time without proof
Product: Credit reporting or other personal consumer reports

I got a hard inquiry from this company and i do not recognize or authorize it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a legal document from XXXX correcting my credit and I have never been late on my account XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
Accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

XXXX 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

XXXX  15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX  Delete this account.

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

I have meticulously followed all the proper procedures to dispute this account. I have contacted the companies involved, and they have confirmed that the issues are resolved. I have also filed a report with law enforcement, who validated the identity theft report. Furthermore, both XXXX and XXXX have removed the account as legally required. 

However, TransUnion continues to assert that I have not completed all necessary steps. Despite submitting my claim to TransUnion, I keep receiving the same unreasonable response, claiming that my documents are invalid. 

I request that the CFPB thoroughly review this case, as it appears TransUnion is not fulfilling their legal obligation to process my identity theft report, which I filed with a law enforcement agency. This situation has caused significant emotional and physical distress, severely impacting my personal and professional life. 

The account in question is : XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address, XXXX XXXX XXXX XXXX, XXXX XXXX Rhode Island, that is incorrect. I have never lived here.
Product: Mortgage

On XX/XX/XXXX a letter postmarked XX/XX/XXXX arrived from the mortgage servicer Truist Bank. 

It informed me that Truist was not willing to recalculate my escrow the way their phone rep had said should be done after changing insurance carriers. 

And that I could call if I had questions. 

The letter was written by a XXXX XXXX, and provided a phone number of XXXX XXXX XXXX. 

As I had unresolved questions, as to why the recalculation was being denied to me, if it allows truist some greater profit at my expense? If they are trying to earn interest or lend out funds to their clients based partly on their corporate reserve assets such as funds held in escrow? Why I should need to pay a higher amount to them, than what is actually neccesary for the escrow costs? 
It seems exploitative. I don't wish to be exploited merely because of it being a VA backed home loan. 
But I am told in the letter that it is a Truist policy to treat all veterans this way. 
I do not like the idea that veterans are somehow an easier to exploit class of consumers when it comes to Truist Bank. 

But when I called the number on the letter, and asked about speaking to this XXXX lady about the letter she wrote. 
I was told that it's not allowed to speak to her by phone. That she is just a researcher who does not speak to customers. 

I asked if the phone rep would let me read the letter, and how it says to call with questions, and he instead became irate and turned the phone call into an aggressive shouting match. 
I don't know if maybe it is a letter that just has this XXXX person 's name on it, but is robosigned and thus they are unable to answer questions. 
But I have heard that XXXX XXXX robosigned letters in the past. 

What I do know for certain though is the phone rep at Truist had advised me that Truist would perform a recalculation for my Escrow after the change in insurance carriers was completed. 
And I have been trying for months to ask Truist to follow through on their promise. 
Instead I am getting letters that seem to indicate that because I am a veteran that I instead should be subjected predatory lending practices and asked to pay more than my share into escrow. 
All so that truist can earn a few extra dollars a year in interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection by XXXX XXXX XXXX is settled, paid off and closed but unfortunately still showing some money owed on Equifax reporting ONLY, which is not correct. Could it be a retaliatory move? Because, weeks prior to settlement I closed my Equifax credit monitoring account because of the monthly fee, other reporting agencies updated theirs and XXXX XXXX XXXX said its been reported as closed.
Product: Credit card or prepaid card

Ollo is the company. I paid my card off in full XX/XX/XXXX. XX/XX/XXXX I received an email for a bill due on XX/XX/XXXX for a doordash charge for XXXX. I have not used the card since paid in full. On XX/XX/XXXX the charge was reported to Ollo as fraudulent charges. Card was canceled and new card issued. 2 credits were applied to my account on XX/XX/XXXX for XXXX and XXXX before the bill due date of XX/XX/XXXX. Late fees and interest were charged in XXXX and XXXX and incorrect reporting to all 3 credit bureaus are still taking place on XX/XX/XXXX. 
Account should have {$0.00} balance, all late payments that have been reported to the credit bureaus should be removed.
Product: Credit reporting or other personal consumer reports

Failure to Provide Required Periodic Statements and Disclosures : As I have mentioned, I believe Barclays has failed to provide the required disclosures alongside my periodic statements, in violation of 15 U.S.C. 1637 ( b ). I request an immediate explanation of how this error will be rectified, and whether the necessary disclosures will be sent for the relevant periods. Failure to comply with these statutory requirements impacts not only my ability to manage my account but also the accuracy of any related credit reporting.
Product: Mortgage

Mortgage lender Ocwen. Forced Hazard Insurance on loan despite XXXX notices sent to them by me and declaration of Insurance sent to them by Insurance carrier. Ocwen has sent backdated notice that current mortgage because of forced insurance and other undecipherable fees will increase by over {$1200.00} in XX/XX/XXXX. I need help to resolve this recurring issue.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against Coinbase, a digital currency exchange platform, regarding a series of issues I have encountered that have resulted in significant financial inconvenience and distress. 

Coinbase Support Complaint - Case Number XXXX On XX/XX/year>, I initiated a transaction on the Coinbase mobile application to convert my USD balance into XXXX ( USD Coin ), a stablecoin supported by Coinbase. However, I encountered a glitch within the Coinbase app that erroneously deposited additional funds from my bank account into my Coinbase account, contrary to my intention. Despite attempting to rectify this issue promptly, I found myself unable to withdraw my funds back to my bank account even after more than two weeks had elapsed. 

According to Coinbase 's stated policy, funds deposited into a Coinbase account typically clear within seven days. However, despite this timeframe having passed, my funds remained inaccessible for withdrawal. In desperation, I reached out to Coinbase support for assistance, only to be met with a disheartening response. Coinbase support informed me that they were unable to take any immediate action to resolve the issue and advised me to wait an additional 45 days for the situation to be addressed. 

In an effort to expedite the resolution process and cooperate with Coinbase, I patiently awaited further communication from their support team. However, weeks passed without any meaningful progress or updates on my case. It was only after resorting to posting my grievances on several social media platforms that I finally received an email from Coinbase support acknowledging my complaint. 

Despite this acknowledgment, the underlying issue remains unresolved, and I find myself at a loss for further recourse. The lack of transparency, accountability, and timely resolution from Coinbase has left me in a state of financial uncertainty and distress. As such, I am left with no option but to seek intervention from the Consumer Financial Protection Bureau to address these grievances and ensure that appropriate action is taken to rectify the situation. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate measures to hold Coinbase accountable for its failure to provide adequate customer support and resolve the issues outlined above in a timely manner. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address my concerns and facilitate a satisfactory resolution. 

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

My full legal name only consist of one first name and one last name. I do not have now, nor have I ever had a middle name or initial. 

1. Transunion reports that I have the middle initial of " M ''. This is incorrect and is not my name. 

1. XXXX  reports that I have the middle initial of " S ''. This is incorrect and is not my name. 

1. XXXX  also reports that I have a former first name as " XXXX ''. This is incorrect and is not my name.