23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

contacted : XXXX and XXXX on XXXX still have on credit report for XX/XX/XXXX - i am tired of each month going through phone calls and mailings to having this same XXXX having as many as four each month of hard inquires, I have checked and they insist I have gone to different states and applied in person ( even XXXX  ) I am XXXX years old and home bound. How can I stop this. 

XXXX  : again each month phone calls are made and disputes made for XXXX XXXX  XXXX, XXXX ~ three or four times a month, now still in report, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX ~ once  again they take it off, but I have to do this every few months. XXXX XXXX said there is nothing they can do. Really, yes they get a red flag, but still can and do put it on report. 

Cavalry phone XXXX has billed me for XXXX, and another for XXXX XX/XX/XXXX I asked for back up. I did receive paperwork, with no signature, address listed as XXXX XXXX, XXXX, md the US postal service does not have any idea where this is. I live in XXXX. I have reached a point that they are harassing me with no reason. 

Note : I have never had a XXXX, XXXX or XXXX XXXX account in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN XXXX Department : Remove fraudulent accounts from my credit report.
Product: Money transfer, virtual currency, or money service

I sent XXXX Litecoins from my XXXX XXXX XXXX to My Coinbase wallet on XX/XX/XXXX ... I sent the coins to my wallet using the same address that was given when I sent Litecoins from my Coinbase wallet to my XXXX XXXX XXXX ... It is now XX/XX/XXXX over 80 days and my Litecoins have still NOT appeared in My Coinbase wallet.. 
I have made Numerous emails and Call to Coinbase customer support and they keep saying My ticket is in line with a specialist ... PLEASE HELP ...
Product: Credit card

I have a issue with a transaction with XXXX I will include screenshots showing the item and when I returned it and how long ago they received it XXXX refuses to provide refund for some very odd reason Im left without my money and no product this is actually completely unacceptable Ive already initiated a dispute but apparently XXXX provided proof to overturn the chargeback How is that possible if I will include screenshots showing customer returned there order back Please whoever at discover customer relations Please have the claims department do a thorough second review on this claim for {$75.00} Im just confused what information XXXX provided that overturned this dispute if I have screenshots showing otherwise that I in fact did return it Its a simple can of paint not a expensive electronic product Customer is asking for 2nd review on dispute Dispute number XXXX XX/XX/year> Transaction has been found to be valid. 
A decision has been reached for this investigation and we have found that this transaction is valid. 
This can not be possible if I returned this item XXXX is clearly providing falsified information
Product: Prepaid card

Paypal took action to close my account but refuse to refund my money back to me. I 've waited for weeks after my account was closed but they 've still not sent my refund. I do n't understand why they 'll close my account for no reason whatsoever and then refuse to give me the money in the same account they closed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate items on my credit report that continues to negatively impact my credit! Ive explained to the bureau that these addresses are not my previous addresses. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit card or prepaid card

I would like to reopen case # XXXX so I can upload the supporting documents. I talked to an CFPB agent and he advised to reopen in order to attach the supporting documents. 
Attached documents are : 1- The original complaint filed case # XXXX 2- Two Board Certified XXXX stating that the XXXX failed and require to be redone 3- Police report that the clinic press charge on me as a customer in order not to come to the clinic any more meaning they refuse to fix or correct or even followup on my XXXX
Product: Credit reporting or other personal consumer reports

I just pulled my credit report and I recognize a unauthorized inquiry on their that's inaccurate can you please remove them. 
According to the " FCRA '' these unverified unauthorized items must be removed. 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

The synchrony bank charge is closed with a XXXX interest program I paid off the balance XXXX $ its been a whole month the updated status in not reported and there charging me a late payment on my account XX/XX/year> wich I contacted them they said its nothing for them to do. I would like them to delete the payment cause they dont have consent to file late payment when account was closed by granter. I would like the late fees be removed due to the fact the balanced was paid offf. Before XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Tx XXXX Subject : Updating My Personal Information To whom it may concern, I recently reviewed a copy of my credit report and noticed outdated, inaccurate personal information on my profile. I need to update my personal information in your records. I want to make sure my credit report has the correct details. Here are my ONLY personal details that should be on my credit profile : My correct name is : XXXX XXXX XXXX XXXX XXXX of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone Number : XXXX Email Address : XXXX Please update this information in your system and DELETE/REMOVE all other information. It's really important to have accurate personal information for my financial profile. I've included copies of some documents that prove my updated information : Please process this update as soon as possible and send me written confirmation once it's done. If there's anything else I need to do or provide, please let me know. If you have any questions or need more information, please reach out to me at the phone number or email address provided. I appreciate your help and hope we can resolve this quickly. Thank you! 

Yours sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

We were approved for a Covid forbearance. At the end of the forbearance program we received acceptance from the Kansas assistance housing fund and a significant amount of funds were sent to XXXX and cleared. We are now a month later being told the funds can not be located and are now continued to be at risk of losing our home with zero resolution. Prime lendingXXXX XXXX has been absolutely awful in this process and now has lost tens of thousands of dollars that they can not locate even when being given specific check numbers, transaction numbers etc.
Product: Credit reporting

My correct address is XXXX. XXXX XXXX, XXXX, WI XXXX. The incorrect address on my credit report that should be removed is XXXX. XXXX XXXX, XXXX, WI XXXX.
Product: Credit reporting or other personal consumer reports

I'd appreciate it if you could update these reporting accounts as soon as possible. If you don't comply with the request, the accounts should be update right away. Upon contacting the companies responsible for these accounts, they admitted their fault and committed to correcting the errors by updating my payment history accurately. These inaccuracies were due to a system glitch that led to the erroneous reporting of late payments. 

It is perplexing that while other credit bureaus have already corrected the status of these accounts, your bureau continues to report these late payments. This inconsistency raises concerns about your bureau 's verification protocols to ensure accurate reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Vehicle loan or lease

On or about  XX/XX/XXXX , my brother paid my car payment out of his   XXXX   XXXX   XXXX   Account in the amount of {$230.00}. The payment cleared his account on XX/XX/XXXX  payable to  XXXX . Shortly after that I checked my   XXXX   XXXX   Account to discover that on  XX/XX/XXXX , Bridgecrest debited my account in the amount of {$220.00}. I contacted Bridgecrest and they informed me that they had no record of the   XXXX   XXXX   Payment and that they did not automatically debit my account because I was no longer set up for automatic debit. I called   XXXX   XXXX   and was told that Bridgecrest did do an automatic debt. They informed me that the transaction was a ACH transaction which means that the payment was automatically debited. Bridgecrest still insist that they did not debit my account. I was told to fax the bank statements to them, in which I did, and that someone would look into it and contact me. To date, that has not happened. They have called me every other day about making a payment but no one has contacted me about resolving this issue. In one conversation I have with a rep who called me about my payment, she said that she did see both payments but because I was behind one of the payments were applied to the previous cycle. I informed her that I was not behind on my payment, therefore I should have an extra payment
Product: Mortgage

Our Mortgage was with XXXX and transferred over to Mr. Cooper in XXXX of 2021. 
This issue started with XXXX Mortgage company ( who we previously filed a complaint with CFPB ) and has transferred over to Mr. Cooper. 
Mr Cooper is reporting to the credit bureau that I have 4 late payments which is incorrect. My wife has spent countless hours and months trying to fix the issue that was initiated with XXXX Mortgage company, they showed our payments being made but that the funds were sitting in a " Suspense account ''. and my wife was informed by XXXX Mortgage that they issue will be fixed and resolved by XX/XX/2021. Now we are dealing with Mr. Cooper who has reported my mortgage with 4 lates and we are paying back payments which is incorrect. 

We spoke with XXXX XXXX in Mr. Coopers Escalations team but he has not responded to us. We received a notice in the mail on our case and were informed that XXXX XXXX is our dedicated contact person and then received another notification that XXXX XXXX will be our contact person at Mr. Cooper. We have tried to reach out to all 3 parties via phone and email with Mr. Cooper and provided them proof of our mortgage payments with a thorough explanation of the history and of events and we still have not heard back from anyone. In the meantime, my credit has been impacted significantly and I was unable to refinance my mortgage to get a lower rate and payment. I am asking for your helps with this devastating issue to get resolved. Mr. Cooper is showing me behind in payments in the amount of {$5800.00} and that is not correct, those funds were the funds that were sitting in " Suspense Account '' with XXXX Mortgage. 
I have provided all the documentation that Mr.Cooper has requested which is including the attachments below ( there may be duplicates attachments ) in addition to an explanation on what had happened and still I have gotten no response.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report.

Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXXXXXX 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
Product: Checking or savings account

I opened a bank account with Chase Bank in XXXX XXXX Tx. A week after i deposited a check, my funds are still not available. I've called the bank and asked them to remove the hold. They claim the hold is due to my address not being verified. I did verify my address with the bank representative, using my Texas state identification card. I also received mail from Chase bank at this address. I'm not understanding why close to {$1000.00} of my money is being held from me because of a mistake made by the bank.
Product: Credit reporting or other personal consumer reports

This is a complaint against XXXX, Equifax, XXXX and XXXX XXXX XXXX, a collection agency that has wrongfully placed a fraudulent account on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. 
On XX/XX/year>, at approximately XXXX XXXX, I spoke with a supervisor at XXXX XXXX XXXX named XXXX XXXX. During this recorded call, XXXX XXXX confirmed that the account in question was under a different name than mine. She assured me that the fraudulent account would be removed from my credit report and even provided a letter saying this and I have attached it. However, this process has caused me significant financial hardship and undue stress, and I can not afford to wait 30 days for a correction that should have never been necessary in the first place. 
Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies and their furnishers are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued presence of this fraudulent account on my credit report is a direct violation of this provision. Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher is prohibited from reporting information that it knows or has reasonable cause to believe is inaccurate. 
Given that it did not take 30 days for XXXX, Equifax, XXXX and XXXX XXXX XXXX to report this fraudulent account and damage my credit reputation, it is only fair that the account be removed immediately, without further delay. The FCRA also provides that a consumer has the right to dispute incomplete or inaccurate information in their credit report, and the furnisher has an obligation to investigate and resolve the dispute promptly. 
I am requesting that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their failure to adhere to the FCRA 's requirements. Furthermore, I request that XXXX XXXX XXXX be directed to immediately remove the fraudulent account from my credit report and to confirm the removal in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is with fed loan servicing Servicing company for Department of Education  As  of    XXXX    2015    Fed loan servicing has me marked 120 days late in my credit report.   I have proved to them with my p aper work three times that I was never late or missed payments, and three times I got back ( my claim is  denied ) How can I go about this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted a signed letter verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to Equifax and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave Equifax an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureaus consumer report and I noticed inaccurate information posted on my consumer report : XXXX XXXXXXXX XXXX Balance Owed : {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, CXXXX XXXX XXXX  on accounts XXXX, has violated my rights. 


15 U.S.C 1681 Sec. 602 A. states that I have a right to privacy.

15 U.S.C 1681 Sec. 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many companies invaded my privacy I have a right to privacy XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX All these companies
Product: Mortgage

I have been working with Loancare regarding loss mitigation options to save my home. I have submitted all requested documents in a timely manner. On XX/XX/2020 I was informed by a representative named XXXX that my application was deemed complete and was now in active review with underwriting pending a decision. I requested that my sale date currently scheduled for XX/XX/2020 be postponed due to this active review and I was told the sale will not be postponed and will only be postponed if I am approved for any options. This is causing more stress to me as now I am sitting on pins and needles awaiting a decision which they informed me would be by XX/XX/2020. That only gives me 3 days to prepare in the event I am denied for any options. I believe this is a form of dual tracking which violates my Homeowner Bill of Rights. Loancare has never reached out to me nor offered me any assistance before they started the foreclosure process, I have had to initiate contact to find out my options. Additionally, I have no single point of contact assigned to my file nor have I ever been provided of any information regarding a point of contact with Loancare.
Product: Debt collection

The debt collector has sent me nothing to verify the debt. I have no knowledge of this debt collector. I have seen nothing with my signature on it that verifies any debt owed to the original creditor nor a statement that shows what they claim I owe. Also, they have not provided me any account numbers from the original creditor they claim I have debt with. This is inaccurate information as it does not list my account number on my credit report which constitutes inaccurate information which violates the FDCPA Act.
Product: Credit card or prepaid card

On XX/XX/XXXX a fraudulent charge of {$450.00} was made on my Bank of America credit card to the XXXX XXXX XXXX. of XXXX XXXX. I have been attempting since XX/XX/XXXX to resolve this issue, but the bank continues to deny my fraud claim even though I have provided documentation to prove I didn't make the charge. 

I have even contacted the vendor, who concurred that the transaction was likely fraudulent because of the suspicious return email address. 

As of today ( XX/XX/XXXX ), the bank is still denying my claim, and their Existing Claims department said there's nothing more they can or will do. I have implemented a dispute with all 3 credit reporting agencies, but need to get someone at Bank of America to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Product: Credit reporting

For over three years Equifax has refused to give me my credit report. XXXX and XXXX have given me my credit report. XXXX asked me the following : Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? My answer XXXX What is your total scheduled monthly payment for the above-referenced mortgage? 
{$1100.00} - {$1200.00}. As of XXXX XXXX, 2016, my payment is XXXX, down from XXXX, my answer, the current payment of XXXX. Your credit file indicates you may have a bank card, opened in or around XXXX XXXX Who is the credit provider for this account? My answer : XXXX XXXX XXXX. Your credit file indicates you may have had a student loan, closed on or around XXXX XXXX Who was the credit provider for this account? 
XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE. My answer NONE OF THE ABOVE All of my answers are CORRECT, XXXX has erroneous information on me and is using this to hold my FREE report. My student loans were with XXXX Bank. It is 8 years later, these accounts are closed, never latter.