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

Experian is reporting inaccurate information on my credit even after I have sent them proof that the furnishers they claimed verified the account sent me letters saying they do not and did not verify or update this account and XXXX removed it because they couldn't verify it. I sent both letters in to Experian pointing out the inaccuracies and the letters of proof of being unverifiable and they still said they verified the account which is imposable.
Product: Money transfer, virtual currency, or money service

I asked Coinbase by email on XX/XX/2021, with whom I had attempted to setup an account on XX/XX/2021, that, " At this point I wish to close my coinbase account ( if it was ever considered open ) and ask that coinbase delete all my personal information it has, including but not limited to all information I provided to coinbase to establish my account. Can you please complete that for me? '' As of XX/XX/2021 Coinbase has still not replied to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account was charged off as of XX/XX/2020. Since then the account has repeatedly been updated as charged off every month and 90 days late repeatedly every month! This is an update in the payment history which to my understand charged off accounts should not include an active payment history. This also falsely manipulates the statute of limitations. 

Additionally, this account has inaccurate information throughout including, but not limited to Account number, Account balance, and Account status. This is not my first time brining this account to your agencies attention. I kindly request that the methods used to verify the accuracy of this account are provided in your response to this dispute. 

I am requesting a deletion of the following account for inaccurate reporting, to exercise my right to fair and accurate reporting : Accounts Name - Account Number XXXX : XXXX Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires reporting that I did not authorize
Product: Credit reporting or other personal consumer reports

This is to follow up of the regarding the late open, late closed and charge off accounts appearing on my credit report. Despite multiple attempts to rectify this issue, the inaccurate information remains on my credit file. I believe this is a clear violation of the Fair Credit Reporting Act ( FCRA ) and requires immediate attention. I have attached copies of my credit reports highlighting the specific accounts in question, as well as supporting documentation that clearly demonstrates that the accounts should be removed. Despite these efforts, those accounts continues to negatively impact my creditworthiness. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been adequately addressed. I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate information from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to rectify the situation. I am asking for your assistance to correct the late open and remove the late closed and charge off in my credit file : XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX XXXX XXXX : {$680.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX Balance : {$16000.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX XXXX : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Debt collection

unknown debt placed on my credit report XX/XX/19 receiving harassing calls, damaged my Credit. please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. Under the FCRA section 605b, I need the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was transferred to loan care I did n't receive notification until aro und   XX/XX/XXXX my house was pending sale I spoke with a rep end of  XXXX  start of XX/XX/XXXX . Asking should I schedule a payment arrangement or wait because wet were scheduled to clos e XX/XX/XXXX  XX/XX/XXXX rep state d no they do n't report late loan until afte r 60days h owever according to respa that would also include the applicable 15 day  Grace a fter the first of the month. Received documents of foreclosure help I contacted back they stated same if it was closing  XX/XX/XXXX  should be fine. Finally closed as agreed XX/XX/XXXX  they reported me lat e I dope  to  XXXX  agent  XXXX  starting he saw the error it would be fixed in 30 days. Called back it was pending called back still not fixed spoke with credit beauru whom stated I wss correct about Respa and loancare wss fatally reporting as if this was n't a new transferred loan called back spoke to a team lead who said I was correct and she would get it expedited and have a supervisor   XXXX   XXXX  . w ithin 48 hours  I never received said call. Meanwh ile credit score plu mmits when fact is I called and inquired not once but twice but  three tim es and was told do n't worry about it and they were aware of close out date. So then speak to a supervisor   XXXX   XXXX   whom stated that he apologized that all his agents and team lead I done with w ere miss i nformed and he would pull calls and speak with them but asas far you 'd he could n't fix because he does n't agree that the RESPA law follows That 60 day Grace also including the applicable Grace period of 15 days not to mention even so the lack of his belief or proper training to multiple agents instead of an appropriate payment arrangement advise costing out the XX/XX/XXXX  would avoid me being reported a late payment when asked to send chores of those calls over to my credit reporting agencies to aid in the investigation he started its proprietary and he would do no such thing. I paid them in full followed the RESPA guideline even though I was not notified in a timely fashion of the transfer I called multiple times and I just want them to remove the payment history and remark off my credit as they agreed to do and dually agreed was the correct thing to do however the have led to me on multiple occasions bypassed RESPA PAYMENTS NOT CONSIDERED LATE.   Durin g the 60-day pe riod beginning on the effective date of transfer of the servicing of any mortgage loan, if the transferor servicer ( rather than the transferee servicer that should properly receive payment on the loan ) receives payment on or before the applicable due date ( including any grace period allowed under the mortgage loan instrum ents ), a paym ent may not be treated as late for any purpose )  XXXX  subverts as well add failed to make sure the document of transfer was received in a timely matter
Product: Credit reporting or other personal consumer reports

Student Loans Received a student loan forgiveness letter for The XXXX XXXX as well as XXXX XXXX XXXX that states my student loans have been forgiven and I would no longer be required to continue payments for the loan, as well as my credit report would be updated and the loans would be removed from my credit report. 

My credit report currently reflects the following : XXXX ) XXXXXXXX XXXX XXXX loans removed. The same student loans are still reflected on Experian and XXXX and need to be removed based on the need to have complete accuracy on each credit report. The credit reporting agencies already have been notified to remove these items but failed to do so. The next step will be legal action. 

XXXX ) Experian- Reflects the following in the notes. The note states : Account information disputed by the consumer ( meets requirements of the Fair Credit Reporting Act ) XXXX and XXXX have closed the accounts but are still reflected on my credit report. A decision has been made to remove the items from the credit reporting agencies already and should be completed by each reporting agencies to maintain accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquiries they are fraudulent and I want to get them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Money transfers

When I went to the XXXX sometime this year for my medical purposes I used Western Union to send funds to myself. Long story short XXXX/XXXX/2016 I made an online transaction sending {$2500.00} for myself and suppose to be picked up at XXXX on the brach in the XXXX. Got an confirmation email from Western Union providing the MTCN #, that the money was sent and it will be ready to be picked up on XXXX/XXXX/2016. So I went to the branch on XXXX/XXXX/2016 and tried claiming the funds? For some unidentified reason they did n't release the funds. They made me sit there for hours and talked to the agents over the phone to see and find out what was the issue. 

I spoke to some of the agents but it seems that they did n't know what to do or tell me that time. I got so frustrated not being to able to get my funds and that really put me on a lot of XXXX and end up having XXXX of my XXXX. Spent so much money on long distance calls but it got never resolved when I was in the XXXX. I needed some funds that time to start my medical treatment. Since i didnt get any funds yet I had to rescheduled all my doctors appointments even my flight had to be cancelled and bought a new plane ticket. It was a huge setback for me XXXX with my condition. 

I believe that Western Union should be the one who 's responsible for this negligence. I used their service numerously and I am much aware of their policy in any circumstances. 
Instead of getting all mad and upset I told myself that I should deal with my medical condition first before anything. 

So when I finally had the chance I contacted Western Union to resolved this problem. XXXX/XXXX/16 I spoke to XXXX of the agent and explained what had happened she resolved and came up with a conclusion by telling me that I was due for a refund and will get a check in amount of {$2500.00} within XXXX10 business days in the mail. Waited almost 2 weeks no check arrived. So I finally called him again this time around they said I will follow up and I should be getting a phone call from XXXX XXXX of the senior supervisor but I did n't receive any phone call or whatsoever. Called couple of times they said the same exact thing that I will receive the check between XXXX business. As I kept following it up things that I was told from the beginning suddenly started to changed. I will stop my story from there because the story went on and on and on. Spoke to at least XXXX to XXXX different agents but nobody seems to have to knowledge or the proper training to resolved this problem. I wish that this get resolved soon as possible and all I expect really is to get what I really deserved.
Product: Mortgage

This complaint relates to a transfer of loan servicing from XXXX to XXXX XXXX/LoanCare or whatever their name actually is? The Loan number is XXXX, collateral XXXX XXXX XXXX XXXX XXXX, Ca, XXXX. During the transition negligence was obvious in who, where to make a payment.? I made the same {$560.00} Monthly payments to XXXX and each and every check was cashed. Finally I began making my payments to XXXX XXXX? Then Loan care ( extreme vagueness ), The comedy of errors a misapplications of funds including ( I make all mortgage payments by a third party -proof of service by mail and certified mail ) even with that timely payments are applied in the late on or after the XXXX so they can make profits of penalties.. The instant claim involved the simple fact that that each and every month for the last year and the preceding years I have made all payments for {$560.00} on time to XXXX and now Loan Care, copies of checks sent to show the application of each month to the appropriate check cashed by XXXX, XXXX  XXXX and Loan Care and their inability to find proof of all payments made is tatamount to conduct that serves no useful purpose but to harass and annoy. They are debt collectors first and customer service second, unable to resolve conflict that most reasonable people would discern easily.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 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/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, and record the current status of the disputed information, or delete the item from the file, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

om XX/XX/2020 there was a collection added to my credit report in the amount of {$560.00} from Bureau of Med Econmics, I am not aware of this charge or this company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPB ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

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

XXXX # XXXX DATE OPENED XX/XX/XXXX XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$220.00} XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$30000.00} XXXX XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3200.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$450.00} XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX - BALANCE {$3700.00} XXXX XXXX  XXXX XXXX DATE OPENED XXXX BALANCE {$720.00} XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$670.00} XXXX  # XXXX XXXX OPENED XX/XX/XXXX - BALANCE {$3000.00} XXXX  # XXXX  DATE OPENED XX/XX/XXXX - BALANCE {$500.00} XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1100.00} XXXX  XXXX # XXXX DATE OPENED XXXX BALANCE {$500.00} Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

Account # : XXXX is in violation of the Family Educational and Privacy Act of 1974.

20 USC 1232g and 34 CFR 99 - Family Educational and Privacy Act of 1974 5 USC 552a - says you are not supposed to give your ssn Violation of the Family Educational and Privacy Act of 1974 When signed you stated you would not provide my information to anyone. 

In accordance with the Fair Credit Reporting Act convergent Acct # : 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 an account without my written instructions.
Product: Debt collection

The collection company is reporting 2 accounts to my credit report. One for {$200.00} and one for {$210.00}. Both from same original creditor. I have contacted original creditor and according to there records I have only had one bill ever with them and it was a workers comp claim when I was injured on the road and the total of that bill was only {$100.00}. The collection agency is attempting to collect double the money on 2 separate accounts. I have disputed the information and they say I have to pay it.