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

In my previous dispute, there was an unfortunate oversight where incorrect documentation and mismatched CFPB dispute documentation were submitted. Despite this error, it is imperative to address the inaccuracies on my credit report to ensure compliance with federal regulations. I have included the correct documentation with this letter and expect immediate action to resolve these matters.

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Debt collection

this XXXX  XXXX XXXX  did not and was informed to contact both XXXX  and XXXX to get this paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit inquiry on my XXXX credit report.

I was a victim of identity theft.

XXXX data hack. My information was compromised. Some was using my identity..
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial has incorrectly reported information on to my Credit report On my XXXX XXXX Credit report, Ally Financial has reported that I had 1 late payment in XX/XX/2019 and everything else was on time. 

However, on my XXXX  and XXXX  report, Ally Financial reported that I have 2 late payments in XX/XX/2019 & XX/XX/2019. The Kicker is that they reported that I had an on-time payment in XX/XX/2019. 

It is very confusing and I am not sure what Ally Financial is trying to do to me but all of this does not make any sense.
Product: Credit reporting or other personal consumer reports

Account still being reported as delinquent/late and closed after paid in full XX/XX/year>XXXX 2023
Product: Debt collection

I noticed that on my credit reports, an account appeared, from National Credit Adjusters. To this day I have not received anything from them in writing, but they are reporting every moth that I am late on a payment. Once I saw them on my credit, I sent them a certified letter asking them to provide information about the account, such as signatures by me, collection activity, and account information. This particular account has been sold or referred to collection twice, which I outline in the certified letter. The letter was sent on XX/XX/2020 and delivered to NCA on XX/XX/2020. There has been no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have contacted Equifax, XXXX, XXXX, and XXXX, with no results on removal of this account. I will attach a copy of a document from Equifax showing an account with my husband, a do not send anymore dispute letters, and a copy of the loan history from XXXX XXXX XXXX. The report document from Equifax shows that account number XXXX XXXX XXXX XXXX  was discharged through bankruptcy XX/XX/XXXX, This account for {$24000.00} was reaffirmed and paid in full ( 1st error ). The Payment History stops XX/XX/XXXX, If you will look at the loan history I have included you will see that the loan was paid through XX/XX/XXXX ( 2nd error ). 
While this loan covers 7 years the " Terms '' on the Equifax report show O ( 3rd error ). The " High balance '' and the " Recent balance '' are Not reported ( 4th and 5th error ). These errors from XXXX XXXX XXXX  are also in Equifax, XXXX, XXXX, and XXXX.
Product: Credit card

Name : XXXX XXXX Last XXXX of card : XXXX Hi there, Im reaching out for assistance regarding my AmEx Delta XXXX XXXX, which I recently upgraded from the Delta XXXX in mid XXXX. Ive been trying to receive an undamaged and up-to-date card since then but have encountered a few recurring issues : 1. Damaged Cards : I have received damaged cards ( as highlighted in the attached photos ), which is concerning. Every card I've received, my name is damaged.

2. Outdated Version and Font Differences : The current, up-to-date version ( shown on the left in the photos ) features lighter font on the back. However, each replacement card Ive received shows a darker font that I can barely read, especially my SkyMiles number. You can see that on the old card, the metal edge doesn't show as much.

3. XXXX XXXX : The older card version includes a painted XXXX symbol, which I highlighted in red, and is not consistent with the updated design. 


Normally, I wouldnt be too concerned, but considering the {$650.00} annual fee plus the additional user fee, I expect a luxury experience that starts with the card itself. For most people, this is a hefty investment, and I havent received the luxury card I was anticipating to go with this hefty investment. 

Also, If this is a practice to make replacement cards cheaper than the first card that goes out, that's unfair and deceptive and the practice needs to stop. Each card should be the same.
Product: Student loan

On XXXX XXXX, XXXX, I lost my job. On XXXX XXXX, XXXX, I contacted American Educational Services and spoke with Representative ID XXXX and explained my situation, specifically that I had lost my job but wanted to see what I can do about my monthly payments. The representative stated I qualified for the MGRS repayment but was unable to give me specifics about the repayment plan, but indicated he would email me the information. I never received the email and contacted AES on XXXX XXXX, XXXX. Spoke with Representative ID XXXX who informed me the previous representative already submitted the application but I do not qualify because I already have the MGRS plan in the past. She stated the only other option is if I left my account go 31 days past due and then get a modified repayment plan. I advised the representative that this is not acceptable as it will negatively impact my credit. I was then transferred to a supervisor, ID XXXX, who indicated again I do not qualify for anything and in fact if my account went delinquent and they did a temporary modified repayment plan, after three months it is more likely than not that my monthly payments would increase from the current monthly repayment. Therefore, being unemployed, I have no options to repay my {$260.00} a month loan other than defaulting, hurting my credit, getting a three month temporary repayment plan and then ending up with higher monthly repayments than I have now.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX XX/XX/year> Scott & Associates , P.C . 
XXXX XXXX XXXX XXXX, Texas XXXX Validation of Debt Request Account ending in XXXX Dear Scott & Associates , I am writing to formally dispute the debt referenced in your communication dated XX/XX/year> I request full validation of this debt per the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I am requesting the following information : Full Account Information : Please provide complete details concerning the debt, including the original account number, the amount owed, and any interest or fees that have been added. 

Purchase Agreement : A copy of the original purchase agreement or contract from XXXX XXXX that establishes my responsibility for this debt. 

Legal Right to Collect : Documentation that confirms your legal right to collect this debt on behalf of XXXX XXXX, including any assignment of the debt. 

Additionally, I would like to remind you of the provisions under the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S. Code 6802, which restricts financial institutions from disclosing nonpublic personal information without prior notification to customers. I expect that you will handle my personal information in compliance with the GLBA and will not share my information with third parties without my consent.

Please send all requested documentation to my address listed above. I appreciate your prompt attention to this matter and expect a response within 30 days as stipulated by the FDCPA.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Debt collection

I was contacted by a rep from XXXX XXXX XXXX regarding a {$100.00} debt. The rep offered to settle the account for {$60.00} and that if I paid that it would never hit my credit report. I agreed under one condition, that he send me a written settlement offer. I told him in the past collection companies had offered to settle only to have me pay the settlement amount and then attempt to collect on the remaining balance. I gave a {$20.00} good faith payment at the time and told him I would make the remaining payment. Some days later I check my report and the debt is showing on it. I called back and ask him why it showed since he told me it would not. He said he would submit a request to have it removed. He also emailed me a copy of the settlement letter. I paid the remaining {$40.00} to close the account. However, I checked my report again and the remaining balance is being reported. I contacted them but they say they have no record of a settlement ever being offered and that the rep that I was dealing with no longer worked there. I have asked them to review the calls since they are always recorded.
Product: Credit reporting or other personal consumer reports

XX/XX/year> there was a new hard inquiry on my credit report form Lowe's/SYNC, I am assuming that is synchrony bank. I did not apply or have anything to do with Lowe 's. I need this removed from my credit report as I did cause an XXXX point decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit reporting agencies are not following the FCRA rules and guidelines in my opinion. They are reporting fraudulent accounts and not explaining why they add fraudulent accounts and not fixing the errors. They have not provided documents in the mail or contacted me in regard to the false fraudulent information on my credit report. There are multiple accounts being reported inaccurate. I have not applied for any credit in years. There are inquiries on XXXX, XXXX, and Transunion reports. They need to be removed because I did not add them there. TransUnion is reporting a fraudulent XXXX account. XXXX XXXX XXXX and an XXXX and Dept ED and XXXX is inaccurate and lack information and is incomplete. There is an account with XXXXXXXX  reporting with incomplete information. Inquiries for XXXX  XXXX. XXXX-XXXX, XXXX XXXX twice for dates of XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, I never applied for these accounts. I have been XXXX, XXXX and XXXX. I never will apply for something I cant afford. Someone have been using my identity. XXXX  have been reporting false inaccurate information. XXXX XXXX XXXXXXXX alleged account, an incomplete account-XXXXXXXX XXXX XXXX  its closed and reporting a balance XXXX a XXXX XXXX account, someone opened it my name. Maybe an ex or family member of mine. I have not applied for XXXX XXXX inquiry debt of XXXX  is incomplete reporting closed and with a balance. Inquiries for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX with XXXX. Please remove this accounts immediately! Please do an investigation. I have reported these to the law and to the bureau that someone have stolen my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased two phones from XXXX who is a wholesale retailer for XXXX XXXX. Both phones were returned on XXXX XX/XX/2018 to XXXX and XXXX provided a refund receipt. A refund receipt and credit card refund is attached. The return was within the remorse period by XXXX and honored by XXXX. 

XXXX was not able to communicate the refund to XXXX XXXX  and they called be about the amount due after many months. I told XXXX that the devices were returned and they need to call their retailer. XXXX made no attempt to reach out to XXXX and so I personally went to the store and asked him to resend the cancellation. XXXX provided a copy of refund receipt. 
XXXX then sent the amount to the collection and every time I tell collection agency that it has been returned, they sell it to other collection agencies. 
I reached out to Transunion to correct the reporting but they reach out to XXXX who keeps confirming. Both TUC and XXXX are ignoring refund receipt. 

I have to pay a higher interest rate due to collection and more recently denied credit due to the collection on my report. I have called XXXX but they keep saying that the account is in the collection and they can not open my file. so I am in a vicious loop trying to correct a wrong item on my credit report. 
I want XXXX to call XXXX  ( phone numbers are there in the attached ) and correct the issue. Also, TUC should not report false items when provided proof of payment.
Product: Mortgage

I previously filed complaint number XXXX against Shellpoint mortgage but more events have occurred and incomplete information was provided in response by Shellpoint so I am filing a new complaint as I dont have an option to reply on the old one. I did not receive the solicitation letter they state they sent on XX/XX/XXXX. I did however, submit a loss mitigation application on XX/XX/XXXX via their online portal completing all forms they provided online. I received a confirmation letter dated XX/XX/XXXX ( attached to this complaint ) acknowledging receipt of my request and advising a SPOC would be contacting me ( which has not occurred ). I spoke to a Shellpoint representative via a recorded line ( per Shellpoints alert on the call ) on XX/XX/XXXX asking why my loan wasnt on hold and seeking confirmation they received my online application ( which was confirmed as received ). He advised me someone would call me within 10 business days to discuss my options, which has not happened. He also advised that due to the high volume of people who falsely use loss mitigation to delay foreclosure cases my file would not be placed on hold. He advised that Shellpoint would proceed with the foreclosure action despite any loss mitigation attempts and would only place the file on hold after ALL trial plan payments have been made. As my father passed away from XXXX, and the house only ended up in foreclosure due to my father not having a will and I did not sign the note or mortgage and encountered unfortunate threats and delays from my sister as she dishonored my dads verbal wishes in the probate case, my hope is to qualify to defer those missed payments and begin making the regularly scheduled payments on XXXX, this would not qualify me for trial plan payments as Shellpoint continues to proceed with the foreclosure disregarding my attempts to save my house. The phone call I had with Shellpoint made it very clear that they will proceed with the foreclosure no matter what because of other shady people not being honest in their attempts at loss mitigation. This is an honest attempt to save my deceased fathers house from foreclosure. I asked if my application could be escalated for review and was advised that its not urgent as their are people in more urgent situations with sales scheduled and they take priority over my case
Product: Money transfer, virtual currency, or money service

I am unable to withdraw funds from my Coinbase. I am not able to send money for the service that I needed to pay for with BTC, because my available balance shows $ XXXX/ {$200.00}. Since I was unable to send this money right away, I wanted to pull it out and place it back in my bank account. Coinbase says they are to hold my funds for at least 6-7 days. This is an isSue because I now will come up short on my rent as I needed to pay for this service through XXXX. This is illegal and terrible business practice. What right does coinbase have to withhold my hard earned money? How can they legally not allow me to access my funds especially after their service is useless to me currently due to the fact that I can not even send money to other wallets. I am extremely worried that I may face a hefty penalty for paying my rent late. I have emailed them twice and called numerous times. I got no help in the email response, and nobody to pick up the phone. I am finally writing yet another complaint that hopefully resolves this shady business practice.Thats the whole point of a currency, its to create an exchange market for transactions. Coinbase is preventing me from doing anything but buying more crypto in my account. I have a fully verified level 3 account. I have never heard of any company being legally allowed to stop you from closing your account and receiving the funds within it.
Product: Checking or savings account

I had fake charges on my CHIME card for over {$1400.00} and proof of it. I have had to rebuttal this issue over 20 times. I have been doing this since XXXX. It is now XXXX. 

The people obviously dont speak English or understand English because they put charges on that I SPECIFICALLY stated not to. The ONLY things on their should be XXXX XXXXXXXX. It is a XXXX XXXX  and I have NEVER paid to play ANY games.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX / XXXX  has violated my rights : 15 U.S.C. 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

I was promised this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.
Product: Credit reporting or other personal consumer reports

I have filed a dispute against XXXX XXXX with all XXXX and XXXX on XX/XX/XXXX The collection was assigned on XX/XX/XXXX in the amount {$220.00}. Via a disupute investagtion for incorrect information being reported the collection was removed from the both XXXX and XXXX. I attempted to submit a dispute on Transunion online but was unsucessful. I contacted Transunion via phone on XX/XX/XXXX and recieved my dispute letter on XX/XX/XXXX. Transunion failed to remove the incorrect account information from my credit report dispite providing proff of the account beinf delted from both XXXX and XXXX. This is unfair reporting and has caused a negative imapct on my ability to purchase a home due to high interest rates, low credit score and derrogetory account history. Please delete account.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, XXXX I was trading on XXXX ( XXXX ), a regulated US based crypto currency exchange platform. I was margin trading Ethereum/USD at the moment. Then there 's a huge price slippage happened and bring the price all the way down from $ 310+ to {$.00} in a matter of seconds, this slippage caused hundreds of margin order liquidations and sold my total ether holding as well as my wife 's on the exchange ( around 2100 total eth ) at {$.00} dollar per ether. The price then recovered right back to where it were $ 300+ quickly. I suspected that this is a huge market manipulation as well as some major technical issues on XXXX 's end. Other crypto exchanges did not experience this price crash during the time. Additionally, during the time the price was crashing, majority XXXX users were unable to login including me, in order to minimize our losses. Currently based on their XXXX feed, their VP claimed that their trading engine was working properly and no wrong doing. This is not acceptable and hundreds of ( if not thousands of ) users were affected. XXXX XXXX XXXX statement : XXXX : XXXX Offical XXXX forum affected users posts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am a victim of identity theft and now somehow a have judgement against my social security number. I have no idea what this loan is for and have never been served paper work regarding this. Somehow this bank opened up an account without my permission, I never had any type of medical procedure with them. I believe the performed a procedure on someone else and then used my credit illegally to finance it. In my opinion they took advantage of me years ago as a young person, of XXXX background and somehow opened up a line of credit illegally. 

XXXX XXXX  or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who were involved here are all crooks and should not be allowed to open accounts under people 's names illegally.
Product: Bank account or service

I made a purchase on XXXX/XXXX/15 that was cleared on XXXX/XXXX/15. The bank reconciled my account one week later for a purchase that has already cleared and in the process, funds from my account in the amount {$2.00} are missing and subsequently caused my account to overdraft XXXX. When I saw the mistake that had taken place I called the company to request an investigation into my account to inquire why my purchases were reconciled after they had cleared an spoke with XXXX who informed me, before she even understood my complaint, that there is n't anything she could do to assist me. I then requested a supervisor and spoke with XXXX, employee ID # XXXX, from a New York call center. She informed me that she could not help me and there was not a department that she could transfer me to that could assist me as well. She informed me that she was a manager and there was not someone over her that I would be able to speak with. She told me that none of her managers spoke with clients. This ordeal is causing me a great deal of stress as I have recently lost my job and can not afford fees that I did not inquire. The supervisor insisted on telling me what she was seeing although I informed her that the information in the system is incorrect. Online banking is the only tool BoA clients have to keep up with their funds and with your supervisors telling us that the system is constantly incorrect and that we should not be using it as a way to keep track of our funds is unacceptable. I called XXXX and the call lasted XXXX minutes.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and it says that i have a past due balance of a credit card that i never owned