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

On XX/XX/XXXX and XX/XX/XXXX, I mailed in my documents to experience because the upload portal that they have not allow me to upload anything at all so I mailed it in. I mailed everything they requested so after not hearing back I called and apparently someone named XXXX was assigned to my Account and she claims to have sent me emails about something I was missing which was a utility bill and I know for a fact that I mailed a bill into them so I explain to her that the website that allows upload was not allowing me to upload, and so I asked her if she could possibly go look at my account and fix whatever maybe wrong with it so that I can upload The document that Claim was missing, she completely ignored me. Look at my account and said she would reach out to her supervisor to see if I could email the documentation she claims to be missing. She told me she would give me a call the next day with detail if I could email it she never has returned my call or sent me an email. I know that under the fair credit act For human trafficking victims is a four day turnover time to get this processed and it has been nearly 2 months and I have yet to hear anything from anyone at Experian meanwhile, XXXX XXXX and XXXX took care of this in a very timely manner within two or three days
Product: Debt collection

I have asked XXXX that XXXX validate this debt. I have received statement and looks like maybe a copy of a bill from Lowes date XXXX/XXXX/2010. 

portfolio has not removed this from my credit reports or validated this bill.
Product: Mortgage

My loan servicing company has transitioned to CrossCountry Mortgage. They have a customer service number, which I have been unable to actually speak to a representative after numerous attempts and hours of waiting on hold through their automated service line. I have been hung up on 4 times after actually reaching an agent and unable to be able to speak to an actual human being. 

Since taking over my mortgage, they have INCREASED my mortgage amount and redirected most of my payment to escrow. However, I already pre-pay my insurance and send proof of insurance to my mortgage company, which is more than half of escrow they are illegitimately collecting. 

I need help please. My mortgage amount needs to urgently be decreased, as they directly impacting my budget and putting my family 's finances at risk. They DO NOT have an email address and intentionally do not answer their phone service. I do not like how I have been treated by this new servicer and really need some help, please.
Product: Debt collection

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed and sent me some random letters saying this fraudulent account is mine. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission that was notarized. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with or their affiliates west the are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Experian on XX/XX/2022 asking that they remove all of the incorrect and inaccurate names listed on my credit report because I am afraid that I'm susceptible to identity theft and fraud! They did NOT remove all of the incorrect names off of my credit report! 

According to the FCRA, my credit report must be 100 percent accurate and verifiable. And consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.

I only have ONE legal name, but Experian has kept all other incorrect and inaccurate names on my report after I already asked them to remove them! I even verified my legal name by sending them a copy of my license and social security card! 

Experian is in TOTAL violation of my rights to accurate credit reporting!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX CARDS on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX CARDS provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to XXXX, and TransUnion. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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: Credit card or prepaid card

In XXXX and XX/XX/2020, Barclays Bank of Delaware reported me 60 days past due on my credit card account. I don't frequently use this card, and never received a statement. Due to the COVID-19 pandemic, I was staying at my house in North Carolina, but I had my neighbor checking my mail multiple times per week. No printed notices were received. Furthermore, I received no phone calls, emails or text messages from the bank notifying me of my past due status. The amount was for only {$75.00} and has caused me material financial harm by lowering my credit score almost 100 points. I brought the account current, and I keep getting the runaround from Barclays on how to fix this problem. I am asking that past due entries be deleted, and my account reported as " current '' for the months it was reported as past due. Not only did I not receive statements, I also believe the bank did not make reasonable efforts to contact me via phone call, email or text message especially in light of the exigent circumstances related to the ongoing pandemic.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original creditor XXXX XXXX XXXX XXXX Subject : Request for Account Information Account Number : XXXX Dear Sir/Madam, I am writing regarding the above-referenced account reported on my credit report. I am not disputing this account. However, I am requesting additional information to fully understand the details of this account. Please provide me with the following : XXXX. The date of the first delinquency on the account. 
XXXX. The date of the last payment made on the account. 
XXXX. The date the account was charged off. 

I appreciate your cooperation in providing this information and look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received my loan online and make all my payments online, I never call in. I paid the account off in full per the amount on the website, then 2 days later they hit me with a {$7.00}. I paid that, then they hit me with a {$.00} charge. They wont give me a payoff over the phone and the one online is incorrect, they say they can only " Mail Me '' a payoff ( To collect further interest I assume ''. BEST EGG is an online lender that wont give accurate payoffs on the same site that you can actually the the payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. XXXX XXXX XXXX XXXX acct # XXXX Has violated my rights 2. XXXX XXXX XXXX acct # XXXX Has violated my rights 3. XXXX XXXX XXXX acct # XXXX Has violated my rights 15 USC 1681 Section 602A states I have the right to privacy.

15 USC 1681 Section 604A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years.

15USC 1681s-2 ( A ) ( 1 ) 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.
Product: Money transfer, virtual currency, or money service

I opened an account with CoinBase in XXXX of XXXX. I then funded this account with more than {$100000.00} in XXXX of XXXX. On XX/XX/XXXX, I asked CoinBase to lock my account as I had been phished. On about XX/XX/XXXX I asked CoinBase to help me unlock my account so that I could access my funds. 

As of XX/XX/XXXX I have submitted approximately 10 support tickets and submitted approximately 30 e-mails under these support tickets requesting that CoinBase help me get back into my account or to liquidate my account and return the money to my bank account that they have on file. 

To date I have not received any meaningful response from anyone at CoinBase. In addition to this I sent 3 registered letters to the CoinBase CEO, COO and CLO asking them to help me to get back into my account or to liquidate my account and return it to my bank account that is on file. I have got NO response from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized inquirie. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX BANK XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX BANK  XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX BANK XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX BANK XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX  DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$2400.00} XXXX XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$89.00} XXXX XXXX {$760.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX XXXX {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, Submitted Ongoing dispute : EQUIFAX DISPUTE # XXXX and XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. 
This fax is a dispute XXXX XXXX as they have misapplied and in error marked my payments as late on my credit report for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Base on Supporting documents : Please see the attached XXXX XXXX  Payment activity, Electronic Check numbers, Bill Payment transactiohistories and Electronic online payments noted with an asterisks and arrow with XXXX payment as proof of all payments from XXXX XXXX  Banker XXXX XXXX. 

XXXX XXXX : After review, please reconcile the late payments you have marked on my credit as disputed above. Note : XXXX XXXX XXXX Bank is now servicing my loan as of XXXX. 
On XXXX I recieved notification from Equifax and XXXX that they did not acknowledge correction on my credit. Even my bank XXXX was shocked and said they probably did not even look at the supporting documents including account payment activity transactin history and electronic check numbers. XXXX XXXX  suggested a file complaint through the you, the Consumer Financial Protection Bureau. 
Thanks, XXXX XXXX Property Address XXXX XXXX XXXX XXXX Ohio. 
Email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently pull a copy of my credit report i want to inform you that i have unauthorize inquiries on my credit report and i need all them to be remove ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX have violated the following laws : 15 U.S. Code 1681g, 15 U.S. Code 1681b, and 15 USC1681 ( c ) ( a ) ( 5 ). 

I have mailed the attached letter over a month ago and have not received a response. Please remove the circled information in my attached dispute letter. I have not recieved a response from any credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was notified by XXXX, XXXX and Equifax of a collection account from XXXX XXXX XXXX of {$390.00} collecting for XXXX XXXX. I was contacted by XXXX XXXX  repeatedly attempting to collect the debt and repeatedly told them I had an account with XXXX and it was not in collections. I asked them several times to confirm with XXXX and they never did. XX/XX/XXXX they reported a collection to the 3 credit bureaus mentions. Consequently, my credit score went down and has kept me from buying a new home! When I filed disputes with the credit bureaus, and provided written confirmation form the creditor the account is not in collections and they are removing the dispute, XXXX refused to remove the account from my credit. They are claiming they have 30 more days to allow the creditor to respond. Even though, when the creditor reported the collection in error, they never verified the account was accurate!! They simply reported it and my score dropped! I believe the credit bureau should give the same credibility to the letter resolving the account as they did to the initial report of the collection. Why don't credit bureaus have to verify incorrect information before reporting it on a credit report?? I have been severely damaged by this action.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I contacted my bank teller/manager ( named XXXX XXXX XXXX of my US Bank branch account via email request to process an international wire transfer regarding a real estate property my husband and I were acquiring in XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I shared all the information needed to process the wire transfer to XXXX via email ( containing all beneficiary bank account information ). 

On XX/XX/XXXX, I went personally at the US Bank branch located in XXXX ( XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX ) to placed an international wire transfer. I was helped by the bank teller/manager named XXXX XXXX who XXXX had previously spoken via email and shared required information for the transaction. While filling out the request form XXXX XXXX told us their system required an extra digit for the IBAN number and the added an extra / at the end of the number I provided, he said that was a normal procedure when this situation happened. I never provided an extra / digit as part of any number. I showed him pictures and files with the correct account, XXXX, XXXX, XXXX numbers provided by the beneficiary and their XXXX XXXX manager contact. All numbers were triple checked. 

XXXX XXXX then placed the wire transfer request to their wire desk department and provided me with a printed Receipt of Remittance Transfers Consumer International ( USD / FX ). Later on I was also provided with another receipt named Wire Instructions Confirmation. Later on after many requests placed by the beneficiary bank named XXXX XXXX, US Bank teller XXXX XXXX was also able to provide another document called XXXX XXXX XXXX referencing transaction identified as PAYMENT PRINT : XXXX XXXXXXXX. 

The amount transferred was {$8100.00} ( which was R {$40.00} reais at the time ). 

The funds never showed up in the beneficiary account. I have placed many requests to XXXX XXXX bank and their proper exchange department ( named in portuguese XXXX XXXX XXXX XXXX XXXX ) and they continue to say the numbers were never transferred. 

On XX/XX/XXXX I placed a recall on US Bank with bank teller XXXX XXXX Later on another request for recall was placed with XXXX XXXX on XX/XX/XXXX via email. Before placing the recall, I also spoke with bank teller named XXXX. XXXX who called their wire desk with no success, I was specifically asking XXXX XXXXXXXX to provide documentation such as receipts and XXXX XXXX XXXX. 

As of XX/XX/XXXX the money has not been refunded to my account and US bank said if XXXX does not respond to the refund request or chooses to not send the money back, that there is nothing that US bank can do to refund me. 

On XX/XX/XXXX, XXXX XXXX sent me an email saying their wire desk finally got a response from XXXX where they said " XXXX has finally reached out and informed us that they are in the process of returning the funds. Typically take 3-5 business days from here ''. 

As of XX/XX/XXXX and the 5 businesses days have passed and I don't have my refund or any update on the situation.