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

this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from this account. Block and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint regarding the Fraudulent accounts reporting on my Credit Report. The last letter I sent to the Credit Reporting Agencies was XX/XX/2022, with complete attachments of my Personal information. I am a victim of Identity Theft and I have reported the theft of my identity to the FTC. The account I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits as a result of the identity theft. Per FCRA section 605b, you are required to remove any accounts and information listed on an ID Theft Report. 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 the identity theft, not later than 4 business days after the date of receipt. The account listed below is the result of the Identity Theft, therefore I am requesting the Credit Bureaus to comply with the law and remove this from my Credit File : EXPERIAN : XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

i called the company back, they keep calling and not leaving messages. i called back to see who they whr they had account with a bank and agent became personal after i Verified my DOB asking how did i get this way with the account. i asked for info on the account stated couldn't give me the address on the account. i had to give it to them. i said no cause to many identity issues happen. asked for sup and she said the same thing stated they have strict guidelines. also if thy had account there is a DO NOT CALL letter on the account at the original credit company along to another collection company that has the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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 XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report with XXXX, XXXX and Equifax and noticed they are reporting inaccurate information such as dates, amounts and accounts being opened/closed. I sent a letter in XX/XX/2023 requesting them to verify/update this information and it was not done. I sent a second letter in XX/XX/2023 requesting the removal of this inaccurate information and it was not done. I don't know where to go from here as they are not trying to help fix and correct the issue.
Product: Money transfer, virtual currency, or money service

At about XXXX on XX/XX/XXXX there was a flash crash in the crypto currency market where many coins were down over 20 %. I watch this happen and prepared to capitalize on the great buy opportunity. Initially I added {$1000.00} to my coinbase account in preparation to buy some XXXX and XXXX class among other coins. However coinbase canceled every single one of my orders when I tried to purchase the coins. Time is of the essence when trying to buy these cryptos and I had timed it very well however coinbase blocked my orders without offering any reasoning as to why. As it turns out they did this to many of their customers on that particularly critical day causing large losses and missed opportunities. Many others have significantly higher loses as their stop loss orders were canceled, again without any explanation. As a cryptocurrency brokerage, coin base 's primary role is as a liquidity provider and they have utterly failed at one of the most crucial moments. It seems awfully suspicious that coinbase would fail at such a crucial moment then offer an after the fact and vaguely worded email after the fact that was clearly written by a lawyer to deflect blame and suggest taking no action against them.
Product: Debt collection

This company is listed on my Credit reports. I have asked for this debt to be verified because I never had an account with Senex Services. Pursuant to the Fair Debt Collection Practices I demand validation. They 've called my cell phone numerous times but have yet to verify the original debt. This debt is listed as a charge off/collection on my credit report.
Product: Debt collection

Midstate Collection Solutions, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX IL XXXXContinues to send mail showing a debt from XX/XX/XXXX and XX/XX/XXXX. 

They also sent a false signature on a document from XX/XX/XXXX. 

This is NOT MY DEBT ... Also the FCRA states that any debt over 7 years old should be deleted from Credit Reports, however MSCSI continues to report this debt on my Credit File. 

I disputed this Debt with the Credit Bureau, and it continues to report on my Credit File ...
Product: Mortgage

Hello, I recently purchased a townhome at XXXX California. I initially worked with the builder 's preferred lender XXXX XXXX XXXX, XXXX, CA for the loan processing. I put down XXXX % down payment and wanted a loan of XXXX % and XXXX % line of equity.. We approached this lender in XX/XX/XXXX and my home was due to close XX/XX/XXXX. During the pre approval process, we had asked the loan officer if they offer 7-year ARM adjustment loan instead of 30 year fixed. They confirmed they offer XXXX ARM adjustable rate loan. I have the pre approval letter from them that stats 3.75 % for XXXX ARM. After 2 months rates expired, and once my closure date of XXXX XXXX was announced, the lender called me XX/XX/XXXX and mentioned that he is talking to a couple of partners and they could offer an interest rate as low as 3.125 % and will call back to confirm the same and lock the rates. The entire week they did not call. He finally called on XXXX XXXX and shocked me saying that they could offer only 30 year fixed with a very high interest rate of 4.5 % for the XXXX loan of {$620000.00} and 5.5 % for the XXXX loan of {$100000.00}. The XXXX loan was from their partner company XXXX XXXX XXXX XXXX. 
I was given very limited time look for another lender. 
However, a loan officer from XXXX XXXX came forward to help me and he is a broker for Union Bank. He offered me an interest rate of 3.125 % for the XXXX loan of {$640000.00} and 4.5 % for XXXX loan of {$79000.00}. They were not able to close the home on the deadline of XXXX XXXX and the builder was not giving extension as the XXXX lender had already processed the loan documents and they asked me to close the loan with the XXXX lender. 
The XXXX lender, sent very strong emails to the builder threatening to report them to Consumer Financial Protection Bureau if they force me to close the loan with the XXXX lender citing the practice as steering. Finally the builder agreed to give extension till XXXX XXXX. 
The XXXX lender locked the rate of 3.125 % for the XXXX loan for XXXX ARM. He mentioned the interest rate for the XXXX loan is 4.5 % confirmed the same many times. 
After closing the home, I repeatedly asked him to send me the statements for the XXXX loan and he then tells me that Union Bank is charging 6.24 % interest and not 4.5 % that he had promised. Union Bank did not give anything in writing regarding the rate. However XXXX XXXX sent me a document on their letter head stating it as 4.5 % When I contacted Union Bank directly they tell me to talk to the broker and I can not contact them directly. When I contact the broker he says Union Bank is not agreeing on 4.5 % rate. 
I really feel cheated and I am caught up with a higher rate now. 
Hence I wanted to file a complaint with CFPB regarding my experience. 
Please do the needful in helping me resolve this issue. 
Thanks
Product: Debt collection

SECOND ROUND LLP has been harassing me on several occasions over the past year to try and collect debts. They purchase debts from mainly XXXX XXXX but there are others and then attempt to get the money from the consumer in a sterner formatted letter and if you dont respond accordingly, they have a law firm they work with ( XXXX XXXXXXXX XXXX ) that then garnish your wages in which they did to me on one occasion in the last six months and made other attempts but didnt succeed. They first came to me about 6-8 months ago and attempted to garnish my wages and hadnt even sent me anything AT ALL! When my HR person contacted me telling me they received a legal letter to garnish my wages abs I freaked out because I didnt know what it was. I about fell out of my chair, both in sick and embarrassment. This was a new job and I am XXXX! When I reached out to them and threatened them to stop because they hadnt even informed me, they retracted immediately. However, about three weeks later i got something in the mail and my company received another formal letter to garnish my wages in which they had to. From then on it got worse and NONE of the attorneys would speak to me or take my calls and the only people that do are customer service and theyre completely rude and sarcastic and dont care that your whole world is being turned upside down. They claim you need to speak to an attorney and yet you never get through to one.I became so frustrated and told them I paid these balance ( s ) or that they werent even mine but it didnt matter at that point. When I reached out to the credit card company they dont even know who SECOND ROUND LLP is and many arent sure how its getting to this connection agency. The one debt from XXXX, the person felt terrible but couldnt help me at that point because it has been sold to Second Round. I tried explaining this wasnt even my debt it was listed under my ex husbands name but it just didnt matter at that point. They then had the law firm garnish my wages at over 40 %! Im a single Mom and have XXXX  daughters that are XXXX and they take daily medications. I ended up paying it and it cost nearly {$1000.00} more with the fees from their firm. Totaling like nearly {$3000.00}. And the original debt was {$1600.00}. Now, theyre coming at me again for a ANOTHER DEBT that is from XXXX, over six years. A XXXX XXXX XXXX in the amount of {$3800.00} and I honestly cant take it!! They will be threatening my new job AGAIN by garnishing my wages and I wont be able to pay my bills and live when they do that! They have to STOP! Its killing me and my family! PLEASE SOMEONE HELP!!
Product: Debt collection

They have sent multiple letters regarding a debt they claim to have acquired and are now attempting to collect from me. However, I have no prior knowledge of this debt or its validity.
Product: Mortgage

I requested and received a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX ( XXXX ). The XXXX loan was approved and received by the mortgage servicer, GMAC Mortgage. The day before the Sale Date, GMAC Mortgage refused to accept the reinstatement monies that had been electronically transferred via XXXX computer system. GMAC claimed they required seven ( 7 ) days to reinstate my mortgage, and XXXX XXXX XXXX XXXX XXXX approval process left them with only five ( 5 ) days to reinstate my mortgage. California Law requires only four days, and XXXX California maintained that GMAC 's failure to accept the moneyparticularly the day before the sale datehad theretofore been unheard of. I called and talked with my loan 's investor, XXXX XXXX, and was assured my home would not be sold with an approved XXXX XXXX XXXX pending. 

My house was taken by GMAC on the courthouse steps XXXX XXXX, 2012despite XXXX XXXX 's assurances to the contrary. 

I then sought to get the sale reversed through the courts. GMAC had declared bankruptcy, so the lawyers attempted to regain my home for me through bankruptcy courts in New York. The New York bankruptcy court handling the GMAC bankruptcy refused to hear my case. They took my home without precedent, hearing or accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent multiple letters of dispute advising of unauthorized inquiries on my credit report. I have a fraud alert in place and none of the below inquiries were authorized by me and none are attached to any open account. I'm tired of sending information to dispute and wasting my time. If these aren't removed, my step will be the Federal Trade Commission and XXXX  XXXX  XXXX  These inquiries should be immediately deleted from my file : XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX collection account from XXXX XXXX  is reporting on my Equifax credit report and should not be reporting because its a fraud account the verification doesn't match my birthdate. I have contacted the credit bureau and company but still haven't resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/16 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The databases of the Equifax Credit Bureau were breached at some point ( presumably shortly ) before XXXX XXXX, 2017. The bureau refrained from alerting to the breech for nearly two months, and the executives of the company dumped stock, indicating that they knew the impact that it would have on their company. My PII ( personally identifying information ) is believed to have been compromised in this data breach, and my identity is now subject to theft and abuse by an unkown number of criminal parties.
Product: Debt collection

I noticed an account with Receivable Performance that I was unaware of. XX/XX/19 I disputed the account with the credit bureaus and Receivable Performance verified the account as accurate. I also sent a letter requesting validation ( Tracking XXXX XXXX XXXX XXXX XXXX ) on XX/XX/19 and Receivable Performance failed to respond or provide the proper validation. Not only did they not provide me with validation. There is another company collecting on this SAME EXACT debt. This is illegal. Two companies can not collect on the same debt.

Being that I never received any documents from Receivable Performance, I am pretty sure they do not have the right to collect this debt. 

Please delete this account from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Credit Card Payment status Charge-off Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Terms Revolving
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$27000.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXX  XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$250.00}
Product: Money transfer, virtual currency, or money service

This is a complaint about MoneyGram and their REFUND for canceled transactions.

There are two instances where MoneyGram was supposed to refund the money to my debit card ( the method of payment ) within XXXX business days and failed to do this. 

Instance # 1 {$600.00} sent to XXXX on XX/XX/XXXX. My receiver in XXXX could not reach the agency to pick up the money due to the pandemic lockdown. I canceled the transaction and received an email on XX/XX/XXXX from moneygram saying the following : " Your transaction has been canceled and will no longer be processed. We will refund the account you used to pay for your transaction. Refunds to a credit or debit card typically take XXXX business days. 
While the funds have been withdrawn, your bank XXXX not show a charge immediately. '' *** this money was never deposited or reverted to my debit card Instance # 2 {$100.00} sent to XXXX on XX/XX/XXXX. My receiver in XXXX went to pick up the money in XX/XX/XXXX and the agency said the money was no longer available and that they had cancelled the transaction at that time. They told my receiver that the money would be refunded to my debit card within XXXX business days. 
*** this money was never deposited or reverted to my debit card In my complaint " cases '' with MoneyGram they emailed me the following today ( XX/XX/XXXX ) : '' If the money is still not posted back to your account, kindly present the cancellation email from MoneyGram to your financial institution/bank for proof that MoneyGram successfully refunded your transaction. Please talk directly to a card XXXX. '' I called my bank today XXXX ( XXXX XXXX XXXX XXXX XXXX ) and they were trying to submit a complaint to their card services who said I can't no longer do that because VISA rules are for challenges to be within 6 months. 

Somebody has posession of this {$700.00} and we don't know whom. This is not right and I would indeed like for MoneyGram to have something explicit on their website that if the money is not refunded within the XXXX business days that the consumer has X amount of time to file a complaint.
Product: Debt collection

I have received multiple phone calls from the following 3 collection agencies XXXX 1. LVNV Funding LLC, ,XXXX {$1700.00} 2. LVNV Funding LLC, XXXX,, {$750.00} XXXX. XXXX XXXX XXXX XXXX, XXXX,, {$450.00} XXXX. XXXX XXXX XXXX XXXX, XXXX,, {$620.00} XXXX. XXXX XXXX, XXXX,, {$1300.00} XXXX. XXXX XXXX, XXXX,, {$1200.00} & {$810.00} 7. XXXX XXXX, XXXX,, {$1400.00} I also have debt validation letters for all of these issues.
Product: Credit reporting or other personal consumer reports

There are inaccurate accounts on my credit report and I want it removed so check the documents that I've sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX { last XXXX of XXXX XXXX ) XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXnquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX CrossCountry Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Please remove it from my credit report
Product: Debt collection

In XXXX, I had a television and internet service account with XXXX XXXX XXXX for XXXX XXXX Not satisfied with their service, I called to cancel the account. I spoke with an XXXX XXXX XXXX rep over the phone who closed my account with no balance due and mailed me a shipping label to return my equipment. I shipped my equipment and the tracking number showed received. XXXX XXXX later I start getting messages from XXXX XXXX XXXX that my account was overdue. I tried to tell XXXX XXXX XXXX my account was closed and that my equipment had already been returned. I contacted XXXX XXXX XXXX XXXX times to explain the situation to them, however, they kept simply ignored my facts and asked for payment. After a XXXX XXXX XXXX XXXXXXXX XXXX XXXX sent the account to collections which I disputed as not due. When I disputed the account, the XXXX XXXX XXXX agreed with us and removed the collection. XXXX XXXX XXXX used subversive actions by reporting the disputed collection to another collection company which would then show up as a collection on my credit. I have disputed this same disputed collection multiple times for over XXXX XXXX from different collection companies and each time the XXXX XXXX XXXX has agreed with me and removed the collection. I need assistance in telling XXXX XXXX XXXX to stop moving the disputed collection to a different collection agency each time I dispute the collection and have it removed from my credit by the XXXX XXXX XXXX. At this point XXXX XXXX XXXX is XXXX me without due cause. Since the last CFPB complaint, XXXX XXXX XXXX has once again used a different collection agency after disputing the previous collection agency.