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

I contacted this company is XXXX and this company has continued to violate my consumer rights. They are in violation in 15 USC 1681 B-Permissible Purpose, 15 USC 1681 Q, 15 USC 1681C-2 . This company responded to my dispute as you can see in the document attached stating that this account has been verified by the company reporting it. However, you also can see that I have a letter attached from the company US Bankruptcy Court where they are stating they did not verify any of my information with these consumer reporting agencies. This company is falsely reporting inaccurate information on my consumer report and I am demanding they stop and remove this fraudulent information for their financial gain. This is illegal!!! Here are all the documents I have sent to them showing them proof they are illegally using my personal information and they have refused to stop. RMEOVE THESE ACCOUNTS IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month ( XX/XX/2019 ) I discovered a number of credit cards on my credit report that did not belong to me. I called each company and none of them had any record of me. I called all the credit unions ( Equifax first, XXXX, XXXX  ) and submitted disputed after freezing my accounts/starting a fraud alert. Most of the credit companies removed the information immediately, but Equifax just got back to me saying that one of the cards that was on my account was confirmed as mine. Its got a significant balance on it and most definitely isnt mine. With the dispute result they gave me an account number, but according to the bank ( XXXX XXXX  XXXX  ) they cant do anything unless I have a credit card number. So they told me to talk to equifax. Equifax has been delaying me with a faulty automation system driving me in circles until they finally let me talk to a representative. When I get to the representative they spend a long time confirming my identity, only to put me on hold or transfer me, ultimately leading to me being hung up on either personally by a representative or by automation. They are deliberately ignoring me and refusing to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter last month requesting that you remove the following inaccurate accounts or that you update the inaccurate information, and it was ignored. I would like to know what your method of verification was as well as the documentation to prove you performed an independent investigation. 
Where is the proof this investigation was done? Why cant you send it to me? I am re-disputing these accounts. 

XXXX  XXXX XXXX delete this account for inaccuracy because the high balance is {$350.00}, and {$0.00}, last verified date XX/XX/XXXX for TransUnion and XXXX has No date reported. 
The date of last activity for TransUnion XX/XX/XXXX, for XXXX XX/XX/XXXX, Date reported for TransUnion XX/XX/XXXX, and XXXX XX/XX/XXXX Date opened for TransUnion XX/XX/XXXX and XXXX XX/XX/XXXX Closed date for TransUnion XX/XX/XXXX and for XXXX there is no date at all. 

XXXX XXXX Last verified by TransUnion XX/XX/XXXX, XXXX no date, XXXX no date, Date of last activity TransUnion XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Date reported is inaccurate TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, The date opened is inaccurate TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Balanced Owed is inaccurate TransUnion {$5900.00} XXXX {$5900.00}, XXXX {$6300.00}, Creditor Type : TransUnion has XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Used this is inaccurate. 

Last Payment is inaccurate TransUnion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Term Length TransUnion 62 month, XXXX 62 months, XXXX has no term reported, Last payment TransUnion XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX Past Due Amount : TransUnion {$1500.00}, XXXX : {$1500.00}, XXXX : {$1000.00} Please Block and delete this account for inaccuracy Please send me a new credit report Thank You
Product: Mortgage

I have been trying to save my home for the past 6 months now with PHH Mortgage. They have refused to review my account for a modification. I have been sending in documentation including Bank Statements, Pay Stubs, Tax returns, Letters of explanations, etc for SIX MONTHS. I have never been able to speak with my Account Manager, and neither has my 3rd party representative. I want it to be known that this company is discriminating against me due to my native language, which is XXXX All of the documents I signed when I bought my home are in XXXX. My bank account statements are in XXXX, because that is what I read and write. PHH is now saying that they need me to send in my bank statements in English. They are trying to tell me that there is not 1 XXXX  speaker in the entirety of the PHH Mortgage corporation. How am I supposed to get anywhere with keeping my home if there is not someone who can communicate with me or that I can communicate with on behalf of my home. If this information was relayed to me when [ purchasing my home, I would never have chosen PHH as my servicer. As a XXXX man in XXXX, I have been rejected help regarding my mortgage because this company refuses to review me for a modification based on my XXXX and XXXX. I would like to be reviewed for a modification right away.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MIDLAND CREDIT MANAGEMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Confirmation of Debt Payment in Full - Account Number XXXX Dear Midland credit management I am writing to confirm that I have successfully settled the outstanding debt associated with mcm number XXXX. The original amount owed was {$1500.00}, and we agreed upon a settlement amount of {$1200.00}, which has been paid in full. Payment confirmation ID : XXXX I kindly request that you update your records to reflect that the debt has been paid in full and that there are no further outstanding balances on this account. 

Additionally, I would appreciate it if you could provide me with a confirmation letter acknowledging the payment in full and stating that the debt has been satisfied. The confirmation letter should include details such as the original amount owed, the settlement amount, the date of settlement, and a statement confirming that the debt has been paid in full. 

Please send the confirmation letter to the following address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. I look forward to receiving the confirmation letter and having this debt fully resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The company placed charged off accounts on my credit report I disputed it they Verify accounts thats closed I never new existed and placed balances on my credit report I disputed the closed fraudulent so now they Retaliate and mark closed accounts thats over XXXX to XXXX XXXX XXXX as late payment 60 day late 180 day late My consumer rights dont exist with certain consumers They sell my information without my permission XXXX victims of massive breaches and dark web
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 listed account that need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX BalanceOwed : {$0.00}.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX To Whom It XXXX Concern : Re : XXXX Deposits for XXXX XXXX, VA Locations as follows : XXXX XXXX XXXX XXXX ( Store # XXXX ) & XXXX XXXX XXXX. ( Store # XXXX ) Over the past months from XXXX XXXX XX/XX/2022, my business partner and I have been making deposits at the bank, Truist ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, phone # ( XXXX ) XXXX ). My partner and I have ensured we have all the cash accounted for and the final deposited amounts tallied for each deposit. I was first informed on XX/XX/2022, by the corporate XXXX office that I did not have the amount of money that my deposit slips show that I should have. This information shocked me because I know that my business partner and I have personally been making all the money drops from XX/XX/XXXX to XX/XX/2022, and no money is missing. 

Unfortunately, when I contacted the Truist bank location ( noted above ) by telephone that I wanted to report my issue they did not offer me any relief or help to resolve the issue. Over these past couple months ( XXXX XXXX ) the issue, as far as money missing, has stopped.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau, I am writing to seek your assistance with an ongoing issue that I am facing with Coinbase. Despite my continuous efforts to regain access to my account, I have been repeatedly locked out, causing significant inconvenience and concern regarding the security and management of my investments. 

Over the past several days, I have been in constant communication with Coinbase 's support team. I have followed all suggested steps including resetting my password and completing multiple identity verifications. Each time, I am instructed to repeat the same procedures without any resolution or clear guidance on how to proceed effectively. Nothing has changed. 

The lack of access to my account not only prevents me from managing my assets but also raises serious questions about the security protocols and customer service efficiency at Coinbase. I believe this situation warrants further scrutiny, especially since it affects my financial stability and trust in digital asset platforms. 

I respectfully request the CFPB 's intervention to facilitate a prompt and fair resolution to this matter. Please advise on the next steps I should take or if there is specific information you require from me to assist further. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX Coinbase Email : XXXX Saved Case Numbers : # XXXX and # XXXX
Product: Student loan

On XX/XX/XXXX, I signed for a student loan with Iowa Student Loan. In the document I signed, it states my interest rate will be the Cost of Funds IV Index + 4.10 %. It also states if a third party buys the loan they can charge 90 % of the 3 month Libor. ( See attachment ) On XX/XX/XXXX, I received an amendment from Iowa Student Loan ( which I do not have a signed copy ). This changed my interest rate calculation to 3 Month Libor + 4.20 %. 

I am not sure when the loan was changed to Aspire Servicing Center. 

In XXXX of XXXX, I realized I was being charged even more interest than agreed to. I was being charged 3 Month Libor + 1.3 % + 4.2 %. I called on XX/XX/XXXX and spoke with a representative for 1 hour and 11 minutes trying to find out why they were charging me an additional 1.3 %. I asked to see the original Cost of Funds Index IV to compare. 

On XX/XX/XXXX, Aspire Servicing sent me a letter that they state I received. The letter ( attached ) says they are changing my interest calculation to 3 Month Libor + 1.3 % + 4.2 %. However, upon reviewing this letter in XXXX of XXXX, I see that this change, unlike the previous change, was not an amendment that could be mutually agreed upon. They did not send the Cost of Funds IV Index. 

On XX/XX/XXXX, I called Aspire again trying to find out the original interest rate calculation and why it changed. That was a 23 minute call with XXXX. She was going to send me a letter with more information. 

On XX/XX/XXXX, I called Aspire again and asked the same questions. I was told they would send another letter. 

On XX/XX/XXXX, I called Aspire again to inquire about the information I was to receive. They said they would send the letter that I should have received earlier in the month. I received that letter ( attached ) a few days later. It states they did not need an addendum to change my interest rate calculation. They will not be providing me the Cost of Funds IV Index as the changes were not optional. 

I then contacted their student loan advocate department to try to understand how they can just add on an additional 1.3 % to my loans without my consent, as we had a binding agreement. I was sent another letter dated XX/XX/XXXX stating all the same information they had said before. 

My question is how can a loan provider arbitrarily change the terms of the agreement. I can not go to a bank and just tell them I am paying less interest because I say so, that is not how a contract works.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove an unauthorized inquiry from XXXX Bank XXXX refuses to correct my name legally despite being sent a copy of my drivers license 6 times. I don't have variations. I have 1 name. 

Their internet document upload does not work They ignore my certified letters 6 of them. 

Equifax refuses to remove an unauthorized inquiry from XXXX XXXX XXXX. I called the company 3 times and they have no record of any application or Equifax contacting them. Equifax refuses to remove with a FTC report. I provided a previous FTC no but that's not good enough
Product: Credit reporting or other personal consumer reports

not consented use of my credit XXXX XXXX XXXX Ally credit XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Debt collection

I spoke with someone at XXXX who said that they were the manager, but i 'm not sure he was rude and nasty. He told me that my lender was lying and it was illegal for them to remove the collection from my credit report and it would be a {$10000.00} fine to do it. He also told me it could not be done because Fox did not own the account they were just contracted to collect. I asked it I could go back to the medical company and ask them and he informed me that XXXX had the contract and I had to go through them. The entire time that I was on the phone he was screaming and yelling telling me that if I pay my bills this would not be a problem. He did not want to hear anything that I had to say. I tried to explain to him that I was a single dad and I lost my XXXX year old son early last year and was XXXX for nearly a year and medical bill were the least of my problems.some the insurance paid the other 's were my responsibility. During my grief and illness I was in no shape to do anything. I found the strength to get things back in order and called fox to pay the {$200.00} and once paid asked if they could remove it from my credit report. That is all I want.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XX/XX/XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. I have received the following answer from the agency 'This account was recalled by the creditor in XX/XX/2020. XX/XX/XXXX is no longer handling the matter and requested removal of the account trade-line from the credit reporting agencies at the time of recall. ' According to the FCRA XX/XX/XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

Hi so theres some apartments on my file that ive never applied for. I only know that cause when i did try to apply for an apartment they denied me because they said i had applied and owed somewhere else which isnt true. i recently moved out and got married all within the last 2-4 years. ive always lived at home.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed that there are many variations of my name, address, and old employer information. I can not receive any mail at the addresses listed on my credit report. I do not know who those other variations of my name are. 

This is a violation of 15 USC 1681 Congressional Findings and Statement of Purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove my hard inquires as your customer Service was very rude and not professional and would not help me to remove the 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking at my credit report, there is infomation reporting that I have no relation to. As you know, my credit report, UNDER FCRA, must be accurate with each agency. Negative fraudulent information reporting that is damaging to a consumers report, must be removed within ( 4 ) business days. This information has hindedred me in obtaing more credit, in order to build my credit profile.

According to FCRA 609 ( E ) Fraudulent information reporting to a consumers credit report MUST be removed within ( 4 ) business days of receipt of this information.

According to FCRA ( 609A ) you must provide me with the ORIGINAL signed contract ( also referred to as WET COPY ), between me and the creditor that you claim that I owe a debt to. If you can not provide this information IMMEDIATELY, the information listed in this report must be REMOVED. PLEASE NOTIFY EACH AGENCY REPORTING THIS INFORMATION AS MY CREDIT REPORT MUST BE ACCURATE UNDER FCRA. 

This agency is in direct violation of the FCRA. FAILURE TO COMPLY WILL RESULT IN A LAWSUIT AGAINST EACH PARTY INVOLVED, INCLUDING ANY AGENCY REPORTING INACCAURATE INFORMATION. 

XXXX XXXX XXXX {$90.00} XXXX XXXX XXXX XXXX {$130.00} XXXX Stevens Business Service/XXXX XXXXXXXX {$1300.00} XXXXXXXX XXXX XXXX- {$910.00} XXXX Collection Account- {$56.00} XXXX The following inquiries are done without my consent and are in error. This is a direct violation of the FCRA XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Us Small Business Admin Oda XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Adress that are not mine XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX MY ONLY NAME IS XXXX XXXX XXXX , PLEASE REMOVE ANY " ALSO KNOWN AS '' NAMES THAT YOU HAVE LISTED