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

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$410.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Moneylion reported my account as past due, but in reality, it was not. I have a credit builder loan that I have used 2 times in the past with no issues, but this 3rd one is giving me very serious issues. I make manual payments to the account because my other checking account was hit with a fraud transaction over the summer, so it doesn't automatically go through. I paid all on them on time and one of the payments a deferment was granted to me as well. When I make manual payments, sometimes it skips the other payment date, for example, just recently I paid the account for XX/XX/XXXX payment but they credited the XX/XX/XXXX payment and not the XX/XX/XXXX payment. Even though now I'm ahead of my payments, they are still reporting the payments past due because it wasn't credited through autopay. If Moneylion doesn't remove the past due account on all 3 of my credit reports, I will sue Moneylion in court for FCRA violations.
Product: Credit card or prepaid card

Chase closed my credit card account on XXXX In the letter Chase sent to me, they claimed they closed my account because of 'suspicious activities. ' I contacted Chase by phone and in person to find out what suspicious activities were, but they said it is confidential and they can not tell me the details. I also said additional information can be provided if they suspected any activities on my card, but they refused. I used that card to shop on XXXX and all transactions can be tracked, so I'm not sure what kind of suspicious activities could be.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and saw there was a XXXX  loan that did not pertain to me and I tried to dispute I was working when they applied for the federal loan. Im a single mom of XXXX small children in all honesty I couldnt work and go to school.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my instructions and permission. They do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

United States Department of Education continued to garnished wages for the amount owed for quite some time. If the debt is being satisfied according to DOE why the negative reporting? Reporting is a violation of FCRA. Requesting removal of negative reporting as this continues to decrease credit and creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Debt collection

This is an old utility bill that was originally opened by my younger brother, in my name. I have disputed this several times. The debt just keeps getting purchased by other debt collection companies. Most recently IC Systems. It is being reported as a current debt on my report for {$1500.00} as of XX/XX/XXXX. This reporting is false. This debt is more than XXXX years old, on top of being fraud. My brother, XXXX XXXX, has since passed away on XX/XX/XXXX. This debt needs to be removed from my report. What IC Systems is doing is a violation of the FDCPA and its is an out of state debt.
Product: Debt collection

XX/XX/2019 I was involved in a car accident. Hospital billing department was legally notified that my case was in litigation. They proceeded to forward my bill to Wakefield. Wakefield proceeded to report my bill as collections to all three credit bureaus with out validating the bill with first. They were also legally INFORMED multiple times that my case was in litigation. Called me multiple times, have sent multiple notices XXXX with NO ITEMIZATION and WITH THE WRONG PROVIDER after requesting a itemized bill and validation, including but limited too what was shared with them as I feared my HIPPA RIGHTS might have beeb violated. This company continues to violate my rights according to The federal Fair Debt Collection Practices Act ( FDCPA ), which protects debtors from harassment, threats, and unfair means of debt collection by debt collectors. This law applies to WAKEFIELD and ASSOCIATES. They continue to refresh the debt on all of my credit reports causing grave damage to my credit and quality of Iife. The unwillingness to temporarily remove the tradelines in question while being in litigation again highlights how aggressive, brazen, and irresponsible this company handles consumer information. WAKEFIELD is not above the law.
Product: Money transfer, virtual currency, or money service

Hi, I started out as a Coinbase user in 2021. I purchased some bitcoin on Coinbase, that was fine. The records are there. 

Later on in 2021, I used Coinbase XXXX because the transaction fees were cheaper. I purchased bitcoin and ethereum there. ALL of the transactions are missing. I have XXXX record of the cost basis of the transactions made on Coinbase XXXX. 

Over the last few years, Coinbase XXXX and Coinbase merged. I have spent hours on the phone with a customer service representative at Coinbase, and they can not find the cost basis. 

I've tried calling again and again but have been unable to reach anyone. 

Please resolve this issue for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response  received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Product: Credit reporting

Transunion had a glitch in their system that violated my rights as a consumer under section 6.11. As a result, I have been severely affected and my credit score is suffering as a result of this error. I never received a notice, which is a violation of my rights. I am requesting that all inquiries be removed.
Product: Debt collection

XXXX XXXX at XXXX XXXX services made very threatening remarks about my Credit. I was never sent any information the debt was in collections. She promised my credit would continue to drop it I didnt pay and told me I better make a payment today or else she would ruin my credit. I asked did she purchase the debt from XXXX XXXX? She was not truthful and told me I can call them but to pay her. 
Very disappointing and sent my XXXX XXXX up promptly warranting a XXXX XXXX from her antics.
Product: Debt collection

I purchased renters insurance from XXXX, policy # XXXX earlier this year. I could not afford to make the monthly payments and allowed the policy to lapse. I just received a notice today from Credit Collection Services ( XXXX ) XXXX file # XXXX XXXX XXXX stating that I owed a payment of {$29.00} for XXXX. I asked why I received this and was told I was covered up until that time even though I have not made a payment in months. I pulled out my policy, contacted XXXX ( XXXX ) XXXX asked if they could direct me to where it states if I discontinue payments they could expect payment and/or collections for non payment. I was told it is not in their policy.
Product: Credit reporting or other personal consumer reports

This company has claimed multiple medical collections on my credit report. This was supposed to be paid by the insurance company. It is negatively affecting my credit score. This is someone elses debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing that I paid XXXX late on XXXX, XXXX and XXXX of 2018 this is no correct. There should not be any late showing on this account.
Product: Credit reporting or other personal consumer reports

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX  Balance : {$3300.00} ; XXXX XXXX XXXX Balance XXXX {$9900.00} ; XXXX XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Product: Credit reporting or other personal consumer reports

I have a small collections/charge off on my report via XXXX. It was charged off and being managed by a 3rd party collections company called XXXX XXXX. 

I submitted a settlement payment for less than the balance owed directly to XXXX XXXX and received a confirmation email indicating the account is settled and balance is closed. However, XXXX refuses to acknowledge the account as settled and continues to report it as an open account with a balance.

In addition, Experian refuses to adjust the account even after I provide proof ... .meaning this particular CRA no longer has the consumer 's best interest and is only taking the creditors best interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my account labeled as XXXX XXXX and it is reporting as negative on all 3 credit reports. This is a account where you build your own credit and can cancel anytime. I requested for the account to be removed because the information is inaccurate.
Product: Mortgage

RE : Flagstar Bank, XXXX XXXX XXXX, XXXX, MI XXXX In XX/XX/XXXX, the FHA loan was approved and funded without the loan servicer confirming all repairs were complete, specifically the lower level A/C unit -- which ultimately affected the XXXX XXXX XXXX XXXX XXXX XXXX. 

In early to mid XXXX, I experienced an unexpected loss of income an immediately contacted the Flagstar Bank as a proactive measure ; but was advised to allow the loan to default before applying for assistance. Loss Mitigation efforts were handled with negligence and prejudice, thus resulting in undue financial and emotional strains over a period of 3 years. 

A total of XXXX Loss Mitigation applications were submitted. During the 3 year process, there was either NO communication or lack of communication via mail or phone calls. However, it was the mishandling of the initial Loss Mitigation app that significantly changed my family 's life.
Product: Credit card or prepaid card

Since the month of XXXX due to the COVID-19 Pandemic my paycheck has been delayed since then we are trying to be responsables by using our little savings and cover our minimum payments. On the month of XXXX sinces our checks were delayed we couldnt make the payment on time now we are trying to cover that payment and bring the account on good standing and we cant. Today XX/XX/2020 @ XXXX XXXX  we spoke with agent id XXXX and asked her if she can help us by removing the 2 late fees for the month of XXXX and XXXX ( Pandemic Time ) and she said no. I dont agree with this behaivor becuase the arenot helping us during this time i am not refusing to make the payment I WANT TO MAKE THE PAYMENT all I am asking is for : THE DERROGATOR REMARKS ON MY CREDIT REPORT TO BE REMOVED and THE REVERSE OF THE TWO LATE PAYMENTS FEE. I will really appreciate your help and understanding my credit score and payment history is excelent becasue I consider myself a Responsable person. 

Thank you in advance for your Help
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life and credit health.
Product: Debt collection

I am filing this complaint due to inaccuracies and noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX, XXXX XXXX XXXX XXXX, and Blitt & Gaines in relation to an account allegedly tied to XXXX XXXX XXXX. Despite submitting evidence of identity theft, these entities have failed to validate or properly investigate the disputed debt. 

Key Issues : 1. Failure to Validate Debt Properly : I submitted debt validation requests to XXXX XXXX XXXX XXXX and Blitt & Gaines, but they failed to provide adequate validation of the alleged debt. The documents provided contained incorrect names and unverifiable signatures. 

2. Fraudulent Account Reporting : XXXX XXXX  and XXXX XXXX XXXX XXXX continue to report a fraudulent account tied to XXXX XXXX XXXX under variations of my legal name, which were outlined and disputed in my FTC Identity Theft Report, police report, and FTC Fraud Affidavit. 

3. Use of Incorrect Name and Signature : The promissory note submitted as validation by XXXX XXXX XXXX XXXX and Blitt & Gaines shows the name XXXX XXXX, which is not my legal name, and contains a forged electronic signature that I did not authorize. 

4. Failure to Block Fraudulent Accounts : Under Section 605B of the FCRA, creditors and credit reporting agencies are required to block accounts identified in an FTC Identity Theft Report and police report. XXXXXXXX XXXX has failed to comply with this requirement. 

5. Negligence in Debt Collection Practices : Blitt & Gaines, acting as a collector for XXXX XXXX XXXX XXXX, continues to pursue collection efforts despite being notified of the fraudulent nature of this debt. 

Timeline of Events : XX/XX/XXXX : Filed a police report in XXXX XXXX, IL, regarding identity theft. 
XX/XX/XXXXXXXX  : Submitted debt validation requests to XXXX XXXX XXXX XXXX and Blitt & Gaines, and provided FTC Identity Theft Report, police report, and Fraud Affidavit. 
XX/XX/XXXXXXXX  : Received inadequate validation response from XXXX XXXX XXXX XXXX, including unverifiable documentation and incorrect names. 
XX/XX/XXXXXXXX  : XXXX XXXX  failed to respond to the identity theft reports and continues reporting the fraudulent account to credit bureaus.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the allieged debt. nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX  balance {$0.00}, ( please remove these fraudulent inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was on XXXX and this guy said he would pay me money to be his sugar baby well he was given my email and phone number and XXXX acct, but he gave me his after when I said I'd send it when I got to my I'd, and I haven't sent it but I did pay XXXX dollars to bitcoins on XXXX and XXXX to try to recieve the 2000 he was paying my XXXX, and now he's trying to get me to pay more and I can't get mine back he gave me his phone number XXXX XXXX XXXX XXXX and XXXX for XXXX and XXXX XXXX XXXX
Product: Debt collection

Westlake financial at XXXX ( XXXX ) XXXX calls excessively after establishing with the company that I do not have an account with them, and have never applied for a loan, credit, or have a debt with them. 6 different agents have told me they removed my phone number from their records and I would stop receiving calls. According to this last agent they have not. It was finally removed. we will see. I am getting at least 4-6 calls a day the past 3 days. This is a new phone number for me and even the agent verified that my name does not match the name they have for this phone number, but they keep calling me.
Product: Payday loan, title loan, or personal loan

I was not Aware of the interest rate. I was informed I could pay off the balance early to lower my total amount due, but when I inquired about it they indicated I had paid {$780.00} of the {$800.00} loan and the pay off amount would be {$1200.00}. I received email statements, but the interest rate is not listed so I didnt know that monies paid were not going to my principal balance. I feel that the account statements emailed to me should include the interest rate so it can be clear what is being charged. I attached a couple of the emails they sent me if you need to review them. Notice they say no fees and dont have the interest rate listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are various Inquires showing on my three credit reports that I have not apply for credit at. I contacted the companies with written letters asking that they be remove due to possible fraud. I have received no positive results. I then contacted the three credit agencies with two attempts to have them removed without positive results.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing challenges i have faced with Citi bank due to fraudulent charges made by XXXX XXXX XXXX  ( also known as XXXX XXXX XXXX XXXX ). These issues have persisted for several years. 

Despite my best efforts to address the matter, I have encountered misleading practices and fabricated documents from the company, significantly complicating my case. Initially, i was promised a total service cost of {$140.00}, as advertised on their website ( XXXX  ). However, i was later charged a total of {$5000.00} without prior notice or adequate justification. They did 2 seperate transactions for {$2500.00} totaling to the {$5000.00}. 

The invoice provided was not itemized, and it is evident that the company exploited my elderly status. 

Adding to this frustration, i discovered numerous similar complaints from other families on the XXXX XXXX XXXX  website. These grievances highlight a concerning pattern of behavior. It appears the company has repeatedly rebranded itself to avoid accountability while continuing to exploit unsuspecting individuals : XXXX  Profile : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Profile : XXXX XXXX XXXX XXXX  Additionally, i have come across an invoice lacking any authorized signature, which may further support my case and highlight the company 's lack of proper documentation.

Attempts to resolve the issue through direct communication have been futile. Calls never progress beyond the receptionist, and requests to speak with a manager are consistently denied. This lack of transparency and accountability has made it nearly impossible to resolve the matter. i have submitted formal complaints as you have been made aware.

I have explained the charges to Citi but they have already charged off my account and refuse to look into this matter. 

also on XX/XX/2024 an inquiry from Citi reporting with XXXX came up on my credit report. This is also not done by me. as mentioned above i wish to have no association with citi bank. Why would i request an inquiry? I continue to be a victim of fraud and feel taken advantage of due to my eldery status.
Product: Credit card or prepaid card

Comenity Bank, N.A. owes me a balance of {$310.00}. Now, they are stating that they only owe me {$190.00}. I have a screenshot of what they are mendaciously slandering on my account with them. I closed the account in early XX/XX/2020. They are deliberately withholding the money they could refund to my bank account or send to me by check so that they can keep the money. This appears to be fraudulent on their behalf. 
The customer service representatives lied to the XXXX XXXX XXXX  of XXXX XXXX, CA and said that they solved the problem. They did not.