23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I signed up for the Gemini crypto currency exchange ( www.gemini.com ) on XX/XX/XXXX. I submitted documents to verify my identity that day, along with a {$500.00} transfer from my bank a few days later. To date ( XX/XX/XXXX ), Gemini has not finished verifying my identity and I am therefore unable to withdraw my money. I have REPEATEDLY tried to contact their support organization, with absolutely no response. These are the dates on which I contacted support : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Their excuse has been unprecedented volume, but some people are verified in minutes and others, like me, have waited weeks with no communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One agreed to remove the negative remark from my credit report if I paid the balance in full ... but it is still showing on my credit report
Product: Credit reporting

On XXXX XXXX, 2015, I sent a letter to Transunion along with a copy of my social security card advising them of information that is being reported on my credit file that is not mine. They have my credit file listed under XXXX XXXX and I sent them my social security card advising them that my name is XXXX XXXX XXXX spelled with an ( XXXX ) not and ( XXXX ). I also advised them of creditors that are reporting information to them for a XXXX XXXX which is not me. They have failed to correct their records and in accordance with the Debt Collections Act section 1629e ( 8 ), which clearly states that any information known to be false, can not be reported to any bureau.
Product: Credit reporting

Hello, I am concerned about XXXX accounts which I have been disputing for several months now. They are appearing on my Equifax report and have not had any activity since XXXX of 2008 and Equifax has continued to keep reporting it after I have asked them to delete them from my file as they are not allowed to report past 7 years of the date of the last activity. The accounts are listed as 1 ) XXXX XXXX XXXX # XXXX ; 2 ) XXXX XXXX ; 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX # XXXX these XXXX accounts received their last payments in the XXXX of 2008. That is when I defaulted after I lost my job and had no money to make any payments. I have never made a payment or had any activity since about XXXX of 2008. These accounts are very old and I hope that they will just delete them already. I have fought them over and over again on the accuracy of these dates and the furnishers can not help me, they say, because they can not pull any records. So how did Equifax verify these dates? They need to know that it is not right to report items past the statue of limitation, which I was told by XXXX that that is XXXX years. Please, can the CFPB ask Equifax to investigate these again or delete them? I need to start my life over again already and this is holding me back and making me very very depressed.
Product: Credit reporting or other personal consumer reports

The company continues to furnish fraudulent accounts and inaccurate personal information to my consumer report. Company This is a direct violation of USC 1681. Company has also been informed multiple times and sent copies of law enforcement report via priority mail. Company has had well over 60 days to properly conduct this investigation and has failed to do so. 

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

This XXXX account has been disputed several times with XXXX and has yet to be removed. The fraudulent account has been removed from XXXX and it's still pending with Equifax. Attached you'll see the report filed with the FTC in regards to the referenced account. Also, you'll see a copy of the results from XXXX showing the account has been deleted. 

The mentioned above XXXX account still reports on my Equifax credit, however, it's since been removed from XXXX. I understand that the credit bureaus do not share information. However, they do a similar dispute process to the other credit bureaus. If XXXX was able to verify the account as being fraudulent then why hasn't XXXX or Equifax removed this account? Also, the other XXXX accounts XXXX XXXX XXXX was removed from my XXXX credit file as well and it's been removed from my XXXX credit file, but remains on my Equifax file.
Product: Credit reporting or other personal consumer reports

XXXX has been sued for allegedly conducting sham investigations that fail to properly address consumer disputes. I believe that the numerous times Ive attempted to correct account errors on my credit report have been shadily processed and incorrectly investigated, leading to false verification letters, updated reports instead of entirely removing accounts that are both fraudulent and/or inaccurately reporting balances, late payments, and closed accounts. 

Multiple inquiries, accounts, and inaccurate delinquent entries have been reported on my credit profile, all of which I have attached in this CFPB complaint via letter/word doc. as way of attempting to correct the insurmountable damages done to my credit health and identity as a consumer. 

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 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 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 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 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 XXXXI demand the following incorrect late payments be removed immediately : XXXX XXXX XXXX XXXX account # :XXXX  ( credit card ) Inaccurate Late payments- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX account # : XXXX ( XXXX loan ) Inaccurate Late Payments- XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, R XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$460.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the alleged debt associated with Jefferson Capital LLC as the alleged original creditor per XXXX XXXX  listed on my credit report under Jefferson Capital LLC. 

I deny liability for this debt, as the information presented is incomplete, inaccurate, and missing essential data. I have not entered into any contractual agreement with Jefferson Capital LLC, and they have failed to provide me with the original contract as per my formal request. This lack of response and documentation constitutes a direct violation of my rights according to 15 U.S.C. 1681e ( b ), which ensures the accuracy of information on credit reports, and 15 U.S.C. 1692e, which prohibits deceptive debt collection practices. Furthermore, under UCC 9-210, they are obligated to provide the original contract, which has not been fulfilled.
Product: Checking or savings account

XXXX noted funds withdrawn from pre-existing XXXX high yield savings account to a capitol one performance savings not opened by consumer ( prior started application but decided against ) XXXX did not finish opening nor authorized transfer of funds from previous XXXX account to capitol one. 

Deceptive practice by capitol one during sign up process.
Product: Credit card or prepaid card

The number I have on file for my unemployment the number on the debit card does not match the debit card I received in the mail from KeyBank
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

Wells Fargo sets a limit on how many transactions are allowed from an outside bank account to my credit card account with them. I can't even schedule a payment for the next month.
Product: Student loan

My wife and I have Parent Plus loans for our children. This past XXXX, I was inquiring about the SAVE plan to get lowest payments. We asked very detailed and pointed questions and they said to consolidate all the loans. I did as they said but then found out about the Double Consolidation method to have Parent Plus loans be able to get on lower IDR Plan, instead of ICR Plan. Based on my calculations, the IDR plan would cost about XXXX XXXXXXXX or so as opposed to XXXX XXXX, currently. They are supposed to provide advice as it is very hard to figure out all the steps needed. I was misled and need to re-consolidate so i get the IDR through double-consolidation.

My issue is that college bound children are limited by FAFSA loans. The bulk is taken up by the parents so we should be eligible for IDR, under SAVE. That would only be fair as parents do not have financially feasible options with price of colleges, as I sent my kids to all state colleges. Plus, the calculations for ICR do not make sense, with the poverty level calculations as the middle class feels the financial hit.

What can you do to help so that I can consolidate the Parent Plus loans so that I can pay my monthly fee and not default due to high fees.
Product: Mortgage

I am a current client of CITIMORTGAGE CO. and I have been trying to refinance my mortgage with them since XXXX 2016. It is now XXXX XXXX of 2016. I am trying to go from a 7 year arm into a 15 year fixed Loan. I have been with CITI for over 10 years and I have NEVER missed a payment. I have an excellent credit score also. Around XXXX. They keep telling me my amount needed close is going up and I need to verify funds. I have done this once already and now they are needing to verify funds AGAIN. It takes them days to get back to me and never follow through with showing me in writing what the figures are. My rate was quoted 3.25 % and current rates are XXXX and my locked rate has since expired. I was told that this would be very easy to do, since I am staying with them and that the cost would not be very much. I went from them needing {$1100.00} to over XXXX? And it is still not being completed. I have never had to experience so much stress and frustration in my life.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> LVNV FUNDING LLC XXXX XXXX XXXX XXXX, XXXX RE : Cease and Desist Collection Activities Account Number : # XXXX Dear : LVNV FUNDING LLC, This letter is formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you must immediately cease all collection efforts regarding the alleged debt referenced above. I am exercising my right to request that you stop all contact with me regarding this matter. 

This request applies to all forms of communication, including but not limited to phone calls, letters, emails, and any other means of communication. Furthermore, I request that you do not contact my family, friends, neighbors, or workplace regarding this alleged debt. 

Please note the following : If you believe this debt is valid, provide written verification of the debt within 30 days as required by law. 
If you have already provided such documentation, I still demand that you refrain from further contact unless it is to notify me of the following : That your efforts to collect the debt are being terminated. 
That you may pursue specific legal remedies.

That legal action will be taken against me.

Be advised that failure to comply with this request may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my state Attorney Generals Office.

Please confirm in writing that you have received this request and that all collection activities have ceased. Any further contact outside of the exceptions noted above will be considered harassment and a violation of my rights under the FDCPA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Creditors Speciality Service Inc sent me a document saying I owed {$100.00} because of XXXX at  XXXX XXXX XXXX in XXXX, Idaho. We paid the amount XX/XX/2015 and thought this issue was resolved. I recently pulled my credit report and noticed that I am still in collections with XXXX XXXX XXXX. How do I resolve this issue?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX hard inquires on my credit report from the same company that I dont recognize. Theyre from XXXX and theyre hurting my credit score. Its unfortunate that these are on my report. I dont recall making those inquires.
Product: Credit card or prepaid card

My son used my freedom card for battery replacement on the vehicle. He was overcharged XXXX for service and product. He attempted to resolve the problem with merchant including getting documentation but merchant refused. 
I opened a dispute online with chase. I dont know how to properly utilize the system and its overly complicated. 
My main language is XXXX  and he is helping with this complaint. He contacted Chase on XX/XX/XXXX and explained the issues with disputing charge. We requested any documentation in paper format and in XXXX. Chase has not responded and we dont know if they are even disputing the charge. 
Likewise, complaints thru the cfpb should allow for submitting and receiving correspondence in the manner that is more convenient for people. You dont know if people have limited XXXX proficiency or have limited XXXX  due to aging. 

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

I have request under the Federal Law and of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) to Transunion Physical Verification of information that i previously disputed as inaccurate and they have failed to comply with my request. 

They contine to report my name inaccurately on my credit report and i have asked them not to continue to report the error. 

they continue to send letters showing that no real investigation has been completed. they are being paid to post information to my reports and they have not complied with federal law to ensure that it is in fact accurate.
Product: Credit card

I just got back to the country and went to apply and saw a accounts from 2018 that never belonged to me or i authorized to open
Product: Credit reporting or other personal consumer reports

Been working to have Discover Bank remove a fraudulent account from my credit report for years now. They are upholding that the account belongs to me after an half done investigation stating that [ I ] gave them my information and I have never lived at the address they are saying that they sent the card to. I am exhausting all administrative rememdies, I've put in police reports and contacted the company and the credit bureus to no avail. this is my last stop before the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 16921 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

3. there is some inaccurate information reporting.

XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1- My credit score through Experian decreases even when I pay my credit card balance in full And when I check my Experian credit score through XXXXXXXX XXXX it show that my credit score is XXXX however when I check my Experian credit score through XXXXXXXX XXXX  it showed XXXX it is almost 30 points less however its both through Experian. 

2- Also still show that my account with absolute resolutions which was already paid in full is still on my credit report as delinquent.

3-My credit report with Experian shows that I still owe money to XXXX XXXX XXXX however I paid them in full 4- i have several credit cards that I have XXXX balance on all of them except one card only that I use it and pay it in full before the due date however I expect due to that I dont have balance on my credit cards, it means that my credit score should be increasing however my credit increases for few days then decreases against with no reason 5- I have tried to dispute some accounts on my Experian credit report but it never been removed from my credit report yet.
Product: Vehicle loan or lease

To Whom it may concern, On or about XX/XX/XXXX my wife and I were vehicle shopping due to the necessity of a reliable vehicle and were told numerous times that a XXXX XXXX holds it value prior to purchasing this vehicle. I moving forward with this understanding in mind having negative equity of {$3000.00} on a vanXX/XX/XXXX. The XXXX XXXX that was shown on this date which used the most manufacturer rebates was said to and I quote " Eat up was was negative in the vehicle prior '' was the Opportunity of a Life time. This seemed like a great opportunity for a hard working Service member and his family. My wife and I at this time were and still are re-establishing or rebuilding our credit and were told several times that we are taking the opportunity now to get back on track with rebuilding and would be able to refinance this vehicle with a lower payment and lower interest rate. The interest rate that was given was a 12.57 % interest rate and a monthly payment of {$700.00} cents. The total sale price of this vehicle with a down payment of {$910.00} dollars came to {$51000.00} at the very end. I am an understanding citizen that I am and was rebuilding my credit at this time, but this fine print was not understood and sales men tactics were used on a simple XXXX XXXX. I have made several payments on time since this tragic day in XX/XX/XXXX in the amount of {$700.00} each month. I have payed in over {$6000.00} dollars towards this vehicle. I am now {$16000.00} dollars now upside down today XX/XX/XXXX. When I spoke with Capital One on XX/XX/XXXX to refinance the vehicle loan as they originally stated. When no resolution was given. I called and stated that I would have to voluntarily surrender this {$18000.00} thousand dollar appraised vehicle XXXX XXXX according to the dealers. Capitol One assured me that vehicle would be auctioned off and all debt that was left after the sale. I would be still be liable for which is in excess of {$16000.00} dollars. I believe this to be a fraudulent sale. I believe in my opinion sales tactics and customer pressure were heavily applied into this contract and under false pretenses by Capitol One. I am at a loss for this company and how they gave false perceptions to a hard working service member and veteran. I hope my future and financial freedom are still intact after this surprise attack.