23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

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his is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00} and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX mailed a letter tracker XXXX XXXX Account XXXX Account number:XXXX  Letters Mailed on XXXX XXXX Transunion tracker XXXX Experian XXXX XXXX Equifax tracker XXXX demanding the immediate removal of this inaccurate information and request an updated copy of my credit history report. Over 7 months and recent 3 months I mailed the letters with no response or deletion from credit history and its hurting my availability to obtain credit. I kindly ask to DELETE. Please Help, Thank you!
Product: Checking or savings account

on XX/XX/XXXX My chase XXXX pay transferred to a different email id belong to XXXX account XXXX dollars but that email id was hacked by someone and that money was send to chase account person. why bank not refunding my money or not taking any action on the chase person. 
I have raised the police compliant. Hacker transfer to chase person and why chase not investigating that person account i still not understand... I need my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing XXXX XXXX XXXX XXXX on my credit report and have not been getting through with the original creditor. I called the phone number listed for the company which is XXXX XXXX XXXX XXXX on 15 XXXX  2022. I called 3x before a lady that goes by XXXX XXXX answered the phone and said verbatim Call this number one more time and see what happens! And than proceeded to hang up on me very rudely. I attempted to call back but she sent me straight to voicemail.
Product: Credit reporting or other personal consumer reports

I disputed incorrect negative items on my credit report with Transition, XXXX, and XXXX. The items came back verified by all XXXX credit bureaus, so I responded with a verification letter asking for methods used when investigating my disputes. I also asked for a list of documents and correspondence including names and contact information of employees that were spoken to as part of the investigation. According to my rights as a consumer under FCRA 611 ( a ) ( 7 ) I have the right to request a complete description of all methods used to investigate my aforementioned dispute. I have not received a response from the credit bureaus so I am asking for this to be resolved and items requested removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After attempting multiple attempts to resolve these law violations the creditors and bureaus are liable for i am reaching out to cfpb to deal with this horrible mess. 

according to 15 us code 1681 eb- its the consumer reporting agencies job to ensure maximum possible accuracy when deal with a consumers information. Because they didnt this was and still is an obvious violation and fcra law states any inaccurate information found and disputed if correct should be removed from report, each bureau has failed to acknowledge my dispute letters. I demand these accounts to be removed off my credit report asap. so many inaccursies its not even funny from dates opened to the remarks which also is a violation because the consumer agencies arent holding the creditors liable for reporting false and inaccurate information, they are all responisble for these issues causing me a great deal of distress. 

XXXX XXXX XXXX XXXX XXXX co
Product: Credit reporting or other personal consumer reports

Per 1681 ( e ) ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. Ally has failed to provide basic accuracy only displaying 13 out of 65 months of payments. Leave XXXX precent unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter with 3 separate disputes however 1 of the disputes does not have an open dispute for these items. The dispute in question is for inquiries on my experian credit report. I sent a dispute with a number of inquiries in question and still have not seen a case open for the items in question. 

XXXX XXXX Last 4 of SSN XXXX DOB XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have been using Coinbase since XX/XX/2017 and two weeks ago, I got an email that they will no longer allow me to be their customer. They did not want to give me any reason or explanation why they are closing my account and the email just stated that I violated their rules. I was advised by Coinbase to log into my account and withdraw my funds as the process of closing my account has started. After I had withdrawn most of my funds in my account, soon, I realized that I am missing USD XXXX currency and also missing another currency which I had purchased in their site. My USD currency was somewhere around XXXX XXXX something dollars and my other cryptocurrency were exactly XXXX XXXX XXXX tokens. I write an email to Coinbase that I am missing some funds from my account which I don't see and I therefore I cant withdraw them and I would like to get my funds before they close my account. They have replied to me four times now and every email I get from Coinbase customer support is basically repeating the same thing that I have to login to my account and withdraw my funds. I have send emails with screenshots and have explained numerous times that what they are advising me is not possible, because my funds are not shown in my account therefore there is no way for me to withdraw my funds. The way they have edited my account is I can only withdraw my funds now since the account is pending closure, but my USD and XXXX funds are missing and I can't withdraw them. All of my other funds were there and were successfully withdrawn, but the missing funds are still with Coinbase and it seems they are not doing anything to provide me with information or support on how to get my funds available so I can withdraw them.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, and XXXX XXXX  I sent certified letters to XXXX asking to verify this alleged debt with XXXX XXXX XXXX, Failure to Provide Verification Documentation XXXX should provide : 1. The specific method of verification used to confirm this debt.

2. Documentation supporting the legitimacy and ownership of this debt, including : The original signed contract or purchase agreement. 
Proof of chain of custody from the original creditor to XXXX XXXX XXXX. 
Date of first delinquency with the original creditor. 
I received immediate response within XXXX hours that it was verified with no method of verification .under 15 usc 1681i this is now pending litigation and I expect this account be removed immediately from my consumer report.
Product: Payday loan, title loan, or personal loan

I applied for a loan, gave all the necessary and required documentation. I was approved for the loan and was told it would be between XXXX to 2 days that it would be deposited into my account. Hours before the deposit was scheduled, I received an email saying that my application was declined due to a number of reasons. However, those reasons didn't make sense considering the application process. For example, one of the reasons it may have been declined was because they were unable to verify my identity, however they never asked for a picture ID. Another reason they claim the application was declined was because they were unable to verify my bank account information, which contradicts the fact that it was still scheduled to be deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and to whom it may concern. I was looking at my credit report and noticed 2 addresses not associated with me. 

address 1 ) XXXX XXXX XXXX XXXX XXXX fl XXXX 2 ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX I have only lived at 1 address in fl. To my understanding there is another XXXX XXXX in my area
Product: Consumer Loan

We bought furniture from XXXX XXXX in XXXX, XXXX in XXXX of 2015, everything went well until it came time to pay. We asked for and were granted a loan a loan on the purchase. We paid {$400.00} down on a {$3400.00} requested loan which left $ XXXX loan was through American First Finance , XXXX, XXXX, at the time we were not informed that this was the provider of the loan. 

We signed a bunch of papers thinking we had done a good job of reading everything, ( guess we missed a bunch ). During this process interest rates were never brought up, ( I guess my wife and I assumed that it would be like XXXX or XXXX XXXX??. 

We only requested terms as we were waiting for the closing check from the sale of our house in XXXX, which we told the sales person, and we would pay the loan off. 

We waited for 3 weeks or so expecting something from the loan company and nothing happened. We called American FF and requested info, ( this was after we discovered who had the loan ). We were hung up on XXXX times, the third time we got through and requested information, which was sent. This is when we learned we had a 120 % loan for 24 months and it was set up to auto draw from our checking account. ( we missed this one, our fault ). 

I called my bank ( XXXX ) to cancel the auto payment and at the same time transfer money from my checking account to pay the {$3000.00}. After a wait on the 3 way call AFF agreed to let XXXX cancel the auto withdrawal. XXXX issued a {$3000.00} check to AFF to pay the loan. 

We waited, checking everyday for the check to clear, and making calls to the XXXX # and were told time after time that the KC office never received the check. I kept calling and finally received a return call and they were all from XXXX XXXX and not a XXXX XXXX, at this point I stopped payment on the 1st check and had XXXX send a certified check to the same address, which was received and cashed and we received notice. Two weeks later we receive a letter from AFF inc.with the 1st check and void written across the check.????????????????????????? 

As I write this my credit report still show that I have an open balance with AFF. INc of {$3000.00} and this was paid off XX/XX/XXXX. 

AFF. Inc seems to be located in XXXX and not XXXX and XXXX and AFF seem to be working together to take advantage of customers, anyways XXXX % interest is ridicules, and the way they go about it is a crime.
Product: Mortgage

Loan care 's escrow department always makes mistake when it comes to property tax calculation. This is my 3rd time encounter the same problem with Loan Care servicing. They overcalculated the anticipated county tax of XXXX, they anticipated the county tax is the comination of the total tax bill, which resulting in a {$700.00} escrow payment increase in my next mortgage payment, this mistaken is totally not acceptable as this mistake will be causing us not being able to afford the house anymore because of their long overdue mistake inside the escrow department. 
Given my past experience fighting with Loan care 's incorrect escrow analysis, calling loan care 's customer service can do nothing to help with this issue as they either can not deliver the message correctly to the escrow department, or the escrow department doesn't even know what they need to do to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently bought my car with my partner on XX/XX/XXXXMy credit was pulled, but the car place ended up using my partner 's credit and now I have all these inquiries from these loan places and I did not consent to those. I am confused as to why these inquiries are still here when it can be seen that his credit was used for the car and not mine. Starting on XXXX XXXX, my credit was pulled 5 separate times without my consent.
Product: Debt collection

Late payment made on XX/XX/XXXX including full amount of {$130.00} and {$2.00} Interest Charge for a total of {$130.00}. I was told by a representative the {$29.00} late payment fee would be waived as a courtesy. The fee was not taken off and the account continued to accrue late payment charges on : XX/XX/XXXX : {$2.00} XX/XX/XXXX : {$31.00} XX/XX/XXXX : {$2.00} XX/XX/XXXX : {$40.00} XX/XX/XXXX : {$2.00} I was contacted on XX/XX/XXXX and I informed the representative of the situation. She claimed there were no notes in the account and advised me to call back and speak with a supervisor. 
On XX/XX/XXXX - Mother 's Day I was contacted 4 times in 4 hours starting at XXXX XXXX PST. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  On XX/XX/XXXX I called and spoke with both a representative and supervisor that both stated there were no notes regarding the original late fee, but they could waive all the late fees provided I paid the {$6.00} in finance charges. I paid to keep my credit from being ruined, but if the original fee was taken care of as I was told there would be no additional fees. To my knowledge the account was brought current on XX/XX/XXXX when I made the full payment including finance charge.
Product: Credit card

CitiBank double cash credit card had multiple fraud charges made on it from XXXX XXXX XXXX XXXX} and {$110.00} were not taken off, but two fraud charges were from the same place. 
I got alerted right away and on that same day, XX/XX/XXXX, I contacted CitiBank and they closed the credit card down and sent me a new card ( s ) immediately. Upon my new card account being opened, I saw that two of the fraudulent charges were transferred to my new account from my old. I have called four times to get this fixed, being told that the charges would be taken off because of the fraud. 
TODAY, I get on the account again, and I read on the fraud charges that the dispute has been resolved and I am responsible for the charges. I called AGAIN stating that this was FRAUD from XX/XX/XXXX and why am I responsible. I told their fraud department that there were TWO charges for a supermarket and one was taken off, but not the other. 
They still have not taken the charges of my card, even though I received my new cards today. BOTH of my old credit card physical cards were in our home in upstate NY when these fraudulent charges on the XXXX XXXX happened. I seem to be running in circles with this bank on getting these fraud charges reversed, even though they claim 100 % fraud protection liability. 
Thank You XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the consumer reporting agencies have been put on notice that they are reporting inaccurate information and refuse to delete claiming to have verified the information. they claim to have validated the information using statements and consumer credit contracts. they have never validated the alleged debt and are pursuing to attempt to collect a debt that has not been validated. 
the attachments are of my most recent credit reports which show that XXXX has deleted the account that I am asking to be validated not reinvestigated, yet XXXX and XXXX are in blatant disregard of there obligation to report accurate credit information pursuant to the FCRA. The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j
Product: Credit reporting or other personal consumer reports

You deleted 5 XXXX credit cards and added them back and deleted 1XX/XX/XXXXXXXX card and added it back! Why? This is illegal! These are identity theft fraudulent applications! I demand you remove them permanently and do NOT add them back. If you do not permanently remove them and if you ever add them back I will pursue legal action. 

Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. I read your response and it is inaccurate. I still see 5 XXXX / XXXX / XXXX credit cards ( one listed as other ending in XXXX one is listed as ending in XXXX one is listed as ending in XXXX and one is listed as ending in XXXX and one is listed as ending in XXXX ) on my account and I still see XXXXXX/XX/XXXXXXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see XXXX XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see 2 wrong addresses ( XXXXXX/XX/XXXXand XXXX XX/XX/XXXX ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. I will pursue legal action if you do not permanently delete them and if you ever add them back. 

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. 

These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted permanently and never added back All ofXX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XX/XX/XXXXcredit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted permanently and never added back : All of XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX, andXX/XX/XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again! If you do not permanently delete them and if you add them back, I will pursue legal action.
Product: Mortgage

I have been calling my mortgage company Truist formerly BB & t for over a year to get information on my lien with the FHA, I had a Covid forbearance and filed all paperwork unfortunately When Truist merged they never filed my required documents to HUD. In the last 2 months Ive been trying to refinance with a different company and can not due to HUD never received the signed and notarized paperwork, I have spoken with everyone possible from Truist and HUD and no one has any information to help me. Most of the time just when I think Im getting somewhere with Truist they hang up
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, XXXX, XXXX & Experian. No one will remove this inaccurate information form my credit report.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$790.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$720.00} XX/XX/XXXX XXXX XXXXXXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX  XXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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 antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.