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

XXXX XXXX has been causing me a lot of hardship by continuing to report inaccurate information on my credit report. I started to file disputes for investigation in year XXXX. They have also been continuing to call and harass me for payment arrangements on an unverifiable account that has not been proven to be accurate. I have made multiple investigations and no changes have been made. 
They have been in violation on multiple account possible having to cause me to hire an attorney. They have told me via mail letter in XX/XX/XXXX that everything was accurate, and I pulled my credit report XX/XX/XXXX and it's still not accurate nor has this account been verified as accurate this has been reporting for 7 years to date. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. 

605. Requirements relating to information contained in consumer reports ( 15 U.S.C. 1681c ) ( 4 ) Accounts placed for collection. Or charged to profit and loss which antedate the report by more than seven years. 

606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ( I Did not receive any1099 for this account charge off, I did not receive all information that was requested. ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please remove this account. 


XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is terrible!!!!! On XXXX I attempted to lift my credit freeze via TransUnion 's website. I got an error message directing me to call customer service. Over the next 1.5 hours I called 4 times. Each time the person on the other end of the line spoke poor English ( I've lived overseas and am sympathetic to those speaking a foreign language but TransUnion 's employees were nearly unintelligible ). Each time they assured me that my freeze was lifted. All but the last time, it didn't work. After the 4th attempt, my creditor ( XXXX XXXX  XXXX ) showed the freeze was lifted but there was no credit score. Only 3 previous addresses. I'm XXXX yrs old, have a mortage and credit cards. I'm sure there is a score there. When I tried to access my credit score on my computer, just now on TransUnions 's website, it gave me an error and asked me to call their customer service. This is unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX electronically got my info ( DOB, SSN, address, name, etc. ) from a third party and opened a credit account without my consent, authority, agreement, or wet ink signature. XXXX XXXX admits to having no physical or electronic signature and admits that is only XXXX XXXX 's " belief '' that the account was created by me. XXXX XXXX has not and can not provide any physical proof that I created the credit account as I have requested the physical proof for over 6 months now. Yet having no proof or authority, XXXX XXXX continues to publish derogatory comments on my credit report without any enforceable instrument to do so. I had been disputing the XXXX  XXXX account for over 6 months while XXXX  XXXX was attempting to collect so I asked XXXX XXXX for a forensic account audit on XX/XX/year> via CFPB case # XXXX, & then mysteriously on XX/XX/year>, XXXX  XXXX charged off the account which lead me to believe that XXXX  XXXX was attempting to collect on an account that was already paid & written off. My consumer rights are protected as The UCC states ( a ) A person is not liable on an instrument unless ( i ) the person signed the instrument, or ( ii ) the person is represented by an agent or representative who signed the instrument and the signature is binding on the represented person under Section 3-402. The UCC requires that any contract for the sale of goods that is worth {$500.00} or more must be in writing and signed by the person the contract is being enforced against. Under UCC Section 3-401 ( a ) If the party does not sign, the party can not be held liable. XXXX XXXX need cease & desist, remove all derogatory marks & publishing ( s ) of account on my credit report especially with Experian credit reporting. Experian claims the information is not on my credit report yet Experian is the only company continually reporting the info for which I am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX file number XXXX, XXXXXXXX XXXX needs to provide 100 % complete and accurate verification of the documentation submitted to the credit bureaus to verify this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion and XXXX  did not comply with updates on my request to fix the issues of inquired on my account within a 30 day period.
Product: Credit card

My wife applied online for a credit card from Capital One and was approved. She has XXXX other Capital One Card and I have XXXX, that we have used for several years. The personal information provided for this new card is the same as the information on file for those other cards. When we received the new cards in the mail I went online to activate them but was told the cards had been restricted and I needed to call XXXX. I called the number and was transferred to the Fraud department. The agent I spoke to said there was suspected fraudulent activity and my wife needed to provide some information. My wife got on the phone and answered all of the questions asked, confirming that there was no fraudulent activity associated with this new card. The Capital One agent then told my wife that to lift the restriction she would need to send them her Drivers license, Social Security Card, and Birth Certificate. My wife refused and handed the phone back to me. The agent repeated the demand to me, at which point I told her that was never going to happen, this was way more trouble than it was worth, and to just shut the card down. The agent then told me " the card will remain open and restricted, and we will negatively impact your wife 's credit score until you provide those documents ''. At that point I ended the call. The three documents Capital One 's fraud department is asking us to provide are the three best documents someone would love to get a hold of to steal an identity. Their fraud department is asking us to put our identity at risk. Threatening my wife 's credit score if we do n't provide the requested documents is extortion.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX : $
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached for this account : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update these accounts immediately.
Product: Virtual currency

Hi, on XXXX XXXX, I paid XXXX $ in XXXX to my provider. The day XXXX XXXX, the provider sent me back the money because we didnt coordinate the transaction. 
The TX XXXX when I paid to my provider XXXX : XXXX The TX when the provider XXXX me back the money : XXXX XXXX Then, I saw lot of confirmations in the transactions back, but in my wallet my money does not appeared. I wrote an email to coinbase, explanning the situation, I wrote the TX when I paid and TX when provider sent me back the money. 
Coinbase answered me this : " XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX : Hi XXXX XXXX Sorry but we do not support returning funds to a sending output : https : XXXX Sorry for the trouble and in the future please do not have funds sent back to the sending output, as you will not be able to recover any funds send to you that way. Please provide a payment address listed here : https : //coinbase.com/addresses You can navigate there by going to 'advance ' in the drop down found in the upper right of the page. 
Let us know if you have any other questions, and thanks for using XXXX. '' Following the link I read this new rule : https : XXXX " Returning XXXX to a Coinbase account successfully XXXX XXXX, 2016 Coinbase does not support bitcoin being returned to the output address. It 's important to understand how Coinbase handles transactions to ensure the XXXX reaches the account. Due to how Coinbase handles outgoing transactions, the funds will not reach the account if they are sent back to the output address that the funds originated from. 

It 's important to provide a sender with an address from the list of receiving addresses. All XXXX receiving addresses for a Coinbase account can be found on the following link : https : //www.coinbase.com/addresses To learn more on Coinbase transactions please refer to the following article : Why ca n't I see my transaction in the blockchain? '' I Answered the email from coinbase : " I want my mony back. I read your rules, and in next time I will talk with my providers that return my payment to my personal address. But this time I want my money back because is mine. If was a mistake of my provider, you know through the TX that money is not yours. Then, most honest and responsible from Coinbase, is to return the money to the client, in this case me. 
I do not think for about XXXX XXXX you are willing to lose a client in Coinbase. " I wish to make a complaint because I feel scammed, Coinbase knows that the money income to your account is that other people 's money, is mine, and they do not want to return to the original client money. 
I want to contribute to the legality of things, what is right, what is honest and what is responsible. 




https : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my phone was stolen and the following month I tried to get into my account to chime they refused to let me by the time they let me in it was after XX/XX/XXXX and I have received a payment and they hacked a bank transfer to their account and drained my account I follow dispute with chime and they refused to refund my money even though the transfer happened while I couldn't even access my account
Product: Consumer Loan

ALLY Financial continues to report an old, disputed account from a divorce dispute dating back to XX/XX/XXXX to XXXX. They sustained no loss when the vehicle was sold and the account paid in full and as a courtesy to a good ALLY/GMAC customer dating back to XX/XX/XXXX, I simply want this account deleted as it is not a valid picture of my credit worthiness.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

After reviewing the debt validation the address XXXX XXXX XXXX XXXX XXXX. is a storage facility and have no affiliation to that address. they can't provide any sign document that show that the credit debt belongs to me. This organization or show call law firm are group of thugs that hide under the shield as a lawyer to intimidate, harass innocent working family scamming them their hard earned income. In other to facilitate their criminal activities the bought and pay for the election of local and state judges. The act like mafiaso in a law clothes. If federal authorities should step in and stop this XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was looking for a sublease for 4 months and got into contact with XXXX XXXX through XXXX XXXX XXXX XXXX XXXX page around XX/XX/2022. She said that an apartment was available in downtown XXXX, and connected me to XXXX XXXX. XXXX XXXX contacted me and said that there was a furnished apartment available at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. She said that I had to pay the security deposit {$600.00} and first month 's payment, {$1000.00} upfront. I sent the money through XXXX, XXXX, and we signed the contract, providing that a sublease agreement has been created and that I could move in on XX/XX/XXXX. A few weeks later, XXXX XXXX emailed me, insisting that I had the pay the second month 's rent as well, saying that it was the landlord 's request. I refused because it was not specified in the contract. It was odd that she asked for the 2nd months payment ; I've never had a landlord asked me that. I contacted the numbers on the contract and they didn't answer. I found XXXX 's property site on XXXX, and when I asked to speak to their employee, XXXX XXXX, they said that she never worked there. I sent them a copy of the contract that I signed, with XXXX XXXX ' logo on it, and they said that it was a fake. They said that XXXX XXXX had nothing to do with this contract and that I got scammed. 

I contacted Bank of America regarding this issue and told them that this was a fraudulent transaction. They refused to return the {$1600.00} that was sent via XXXX
Product: Prepaid card

I purchased XXXX XXXX {$100.00} giftcard back in XXXX from paypal_digital_gifts for {$85.00} each. 

I use one of the giftcard ending XXXX back in XX/XX/XXXX for about {$10.00} and I also used it for {$8.00} in XX/XX/XXXX. I should have total left of {$80.00}. However, I found out today XX/XX/XXXX mysteriously that I have {$0.00} left. 

The other XXXX XXXX giftcard should still have {$100.00} each. One ending in XXXX. Another one ending in XXXX. They are both now showing {$0.00} as well. 

I have total of XXXX XXXX giftcard that I purchased back in XX/XX/XXXX for {$85.00} each which total to {$250.00} in my out of pocket that should worth {$300.00} in XXXX gift card minus spending of {$19.00} which equal to {$280.00} total giftcard value. 

I recently learned that there have been a data breach on gift card certificates purchased from Paypal Digital Gifts. XXXX They are not admitting this incident and prefer to hide it from the customer.
Product: Mortgage

Mr Cooper did not communicate with me as the " Successor in Interest ''. See attached complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgage LLC dba Mr. Cooper will not stop entering a partial payment of {$160000.00} as the last payment amount received for my four year long voluntarily closed and paid in full mortgage loan account in my credit files. Nationstar has continually attempted to state I was " paying under a partial payment agreement '' when I never did during the life of the mortgage loan 's nine year history. Nationstar deleted accurate last payment amount of {$170000.00} at XXXX without cause XX/XX/XXXX that an XX/XX/XXXX Report by XXXX shows as furnished by Nationstar XX/XX/XXXX, and as of XX/XX/XXXX, Nationstar refuses to respond to XXXX to correct the misleading partial last payment furnished by Nationstar in response to proving Nationstar 's willful furnishing of the last payment accurately proven by the XX/XX/XXXX XXXX credit report and Nationstar refuses to correct the mortgage file that did not credit the actual last payment amount of {$170000.00}, and continues to claim state a partial payment amount as the actual last payment received by Nationstar XX/XX/XXXX is inaccurately as {$160000.00}. This amount and inaccurate comments regarding the payment are misleading in such a way as to be found adverse and allow Nationstar to continue inaccurate partial information furnishing and credit reporting.
Product: Checking or savings account

Capital One Bank has compromised my personal information and conducted an investigation with bias against my XXXX business XXXX XXXX XXXX XXXX 1 ) letter from capital one XX/XX/2021 indicated wrong account number and wrong mailing address. Same letter in bold print at the end is aggressive and a personal threat against me. 
I am attaching bank statements for the deposits from SBA as well as the correct account number. Therefore, I am requesting a transcript from all the 36 phonecalls I made to capital one where I clearly requested a change of investigator and protocols. Capital One refunded my grant without verifying my docs. 
Capital One acted out in a punitive way against my business and my person because I complaint that the investigation was inaccurate. Attached are documents proving capital one has compromised my identity by releasing documents to my previous home address and the investigation was not even performed because they never checked off the BANK ACCOUNT. Look at the numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning! 

Dates, those I am unaware of. 

Convergent Outsourcing XXXX {$290.00} I am completely unaware of this account as I have no record or documentation regarding this claim. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

And Please State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 


Thank you for your time!
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX on XXXX, I started the process of refinancing my VA home loan to access some of the equity. My mortgage servicing company was Shellpoint/Newrez . My loan number was XXXX. I was told by XXXX XXXX, who is an employee of Shellpoint/Newrez , that if loan was not approved, I would get the money that I paid for the appraisal of the house back. The appraisal cost was XXXX, the loan didn't get approved and XXXX XXXX denied ever saying I would get the money back. I asked him to run the loan refinance request using the VA but he used the FHA, because I had a late payment within a 24 month period. The VA would have been approved, this is evident because I went to another lender and the loan was approved. 

The next and most Egregious action from Shellpoint/Newrez was on XX/XX/XXXX, after the Law firm ( XXXX XXXX XXXX XXXX XXXX XXXX ) who conducting the closing with XXXX XXXX and I wired over what was believe to be the payoff amount {$310000.00} Shellpoint/Newrez returned the funds without an explanation to the law firm. I called shellpoint/Newrez on XX/XX/XXXX at XXXX eastern time to ascertain the reason the funds were returned. I was told that the amount was short by XXXX. I call the law firm back on the same day at XXXX to let them know the reason why the funds were return. The law office told me that I would have to bring a check to their office for the remaining balance. The law office resubmitted the funds on XX/XX/XXXX. I called shellpoint/Newrez at XXXX on XX/XX/XXXX and made a payment for the XXXX mortgage to ensure that I would not get a 30 late on my account because I assumed that the law office would not send the wire back until I brought them the check. Shellpoint/Newrez is now claiming that the XXXX payment that I made was factored into the XXXX but that not possible because I made the payment after they told me that the what was needed to pay the loan off with them. The are trying to XXXX from me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says XXXX Equifax and XXXX is a furnisher of information to a consumer reporting agency. 
XXXX Equifax and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand XXXX Equifax and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX  XXXX {$300.00}