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

On XXXX, I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/21 your agency had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. 

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. 

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 

Please reply within 15 days or delete the negative items, as originally requested. 

Below are the items that do not belong to me that you continue to report illegally. 

XXXX. XXXX XXXX XXXX  XXXX XXXX {$470.00} and XXXX. XXXX XXXX XXXX XXXX  XXXX {$4600.00} Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

There are false credit card balances being reported to credit reporting agencies from XXXX XXXX and discover. They are inaccurate!
Product: Credit reporting or other personal consumer reports

I discovered many unauthorized inquiries on my credit report XXXX XXXXXXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX  XXXX XX/XX/2024
Product: Money transfer, virtual currency, or money service

XX/XX/2021 : XXXX PST Reference Code : XXXX 1 ) I converted {$420.00} from my ETH wallet to XXXX of XXXX XXXX $ XXXXstock ( {$77.00} above price - guaranteed profit ) What came next was nothing less than shocking. As Im looking at my receipt, the numbers changed. 

2 ) {$420.00} converted into XXXX of XXXX ( {$12.00} above stock XXXX I then get my emailed receipt of the transaction, which has even different information. 

3 ) {$380.00} converted into XXXX worth of XXXX. ( With no mention of price of stock ) 4 ) I go back to Coinbase app, and the receipt of the transaction changed yet again. 
{$240.00} converted into XXXX of XXXX stock @ $ XXXX/stock. ( {$1.00} above price? ) With every new receipt that popped up, my profit ratio shrank. All have the same date, time, and reference #. 
It can not be legal for Coinbase to tamper, alter, and ultimately steal money like this can they? 
Also XXXX you can do your own research on XXXX and see the thousands of XXXX pages dedicated to 2 times CB conveniently at the same time as Coinbase market dipped further than ever, They would NOT allow me/thousands of others to make any purchases, only sales. ( And then wouldnt allow us to sell when the market spikes but allows purchases ) The excuse that pops up is insufficient funds. This is false. The random issue only lasts until the market is back where I made my original investment, usually at a loss. I did this to somebody Id be in jail. How can they keep getting away with transparently controlling the market, stealing our money, and ALTERING TRANSACTION RECEIPTS!?
Product: Credit reporting or other personal consumer reports

I obtained my consumer report and noticed several items on my report that do not belong to me. I had contacted the 3 major credit bureaus ( XXXX, XXXX, Equifax ) notifying them letting them know that I am a victim of identity theft. I also reported this fraud to the Federal Trade Commission and obtained a identity theft report # XXXX. I sent the bureaus a copy of the identity theft report and response I either received generic responses via mail and email such as : the information was verified, misrepresentation of my identity theft report, and someone else ( third party ) disputed this information on my behalf which is all false. After recently contacting the bureaus via telephone was told by a representative that I need to document this theft with my my local police department. I file a report with the XXXX Police Department report # XXXX. Both reports are attached. I have also contacted a attorney in the attemp to file a civil suit against the 3 bureaus.
Product: Credit card

I submitted an application for a CareCredit card via their website carecredit.com I was not approved for the card that I applied for, but I was prompted to add a cosigner to the account. My uncle agreed to cosign. When the card arrived, I was not listed on the account at all my uncle was upset that he was assigned primary account holder as that is not what we signed up for. Furthermore, I was the original applicant not him. I figure it would be an easy fix and they would add me to the account since I was the applicant. We called CareCredit/Synchrony bank and informed them that there was a mistake on their behalf. We informed them that they made the cosigner the account holder and that I the applicant was not listed on the account, and asked if they would be able to fix the problem? to which they said no they could not add me to the account, if I wanted an account I would have to reapply. To which I told them no I would not apply again as I already applied with a cosigner and that this was not right. I told them that there must be some kind of glitch in their website, and that they need to take accountability for this mistake but that was the only solution they offered me. I called the card company several more times alongside my uncle to fix the issue and even speaking to the fraud department and they were not able to help us. I asked that they provide the original application and they stated that they had NO application from me which is not true/ My uncle closed the account do to its fraudulent nature. Synchrony Bank assigned and issued my uncle as the account holder when he didn't even apply for the card and on top of that they claimed they did not have an application from me when they in fact pulled my credit. Lastly, they practiced horrible customer service by not helping us come to a fair resolution.
Product: Mortgage

I have been trying to have Freedom Mortgage cancel my PMI per mortgage disclosure document language. I tried multiple times over the phone but the operators ( who read off from a computer ) kept telling me that that I have not reached 78 % loan-to-value. I said the calculations should be from the original sales price ( mortgage language ) and they told me its the balance ( loan amount ) at the time of the refinancing with them. They told me to email in writing to their customer service. 

On XXXX XXXX, XXXX, I sent my first email saying that my mortgage disclosure document states when the loan-to-value of mortgage reaches 78 % of the initial sales price or appraised value, whichever is lower, and paid for at least 5 years, the monthly insurance premium will be eliminated. I had been paying the premium for 8 years since the original loan of XXXX. The appraisal of XXXX was the same as the sales price. When the mortgage was refinanced with Freedom in XXXX, there was no appraisal done during their streamlined refinancing promotion. 

On XXXX XXXX, Freedom sent me a generic response without answering my specific letter, saying that FHA will determine when a borrower has reached 78 % loan-to-value ratio. 
On XXXX XXXX, XXXX, after receiving the generic response letter from Freedom, I sent a second email including language as well as attaching Title 12 U.S. Code 4901 ( 12 ) which came about after PMI Cancellation Act of 1999. It states : " The term original value, with respect to residential mortgage transaction, means the lesser of the sales price of the property securing the mortgage, as reflected in the contract, or appraised value at the time at which the subject residential mortgage transaction was consummated. In the case of a residential mortgage transaction for refinancing the principal residence of the mortgagor, such term means only the appraised value relied by the mortgagee to approve the refinance transaction. '' On XXXX XXXX, XXXX, Freedom mortgage sent me the same generic response letter.

I believe I have met the intent of U.S. Code 4901 ( 12 ) as well as the mortgage disclosure langauge.
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute and Demand for Full Compliance with the Fair Credit Reporting Act ( FCRA ) This is a formal demand for the immediate reinvestigation of the following fraudulent accounts listed on my credit report : Account Number : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are fraudulent and have no basis in fact or law as they were neither opened nor authorized by me. In your prior investigation, you claimed the accounts were verified. However, your actions indicate a failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable and thorough investigation. 

Violations of the FCRA : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You are required to conduct a reasonable reinvestigation when an item is disputed. The verification process you conducted was clearly inadequate, as no valid proof of my connection to these accounts has been provided. 
2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Upon completing your investigation, you are required to provide a detailed explanation of the procedures you used, including the name, address, and phone number of the furnisher of information. This was not provided in your response.

3. 15 U.S.C. 1681e ( b ) : You are required to maintain reasonable procedures to ensure maximum possible accuracy of the information on my credit report. Continuing to report inaccurate and fraudulent accounts violates this provision. 

My Demands : 1. Detailed Method of Verification : I demand a detailed explanation of how you verified these accounts, including : A step-by-step description of the reinvestigation process you conducted. 
The specific documentation you relied upon to verify these accounts. 
The name, address, and contact information of the data furnisher ( s ) for each account.

2. Immediate Deletion of Fraudulent Accounts : If you can not provide irrefutable evidence that I authorized or opened these accounts, they must be permanently deleted from my credit report under 15 U.S.C. 1681c-2 ( a ).

This is your opportunity to correct these errors and resolve this matter amicably. I trust you will treat this matter with the seriousness it warrants. 

I expect your written response, including all requested documentation, within 30 days of your receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have considerable funds on deposit at Navy Federal Credit Union including checking, savings and CDs. I submitted a line of credit application which had a maximum amount of {$15000.00} for my checking account, requesting an LOC amount of {$10000.00}. My credit score from XXXX is XXXX. My application was denied. When asked for a reason for denial, no reason was provided. Please require Navy Federal Credit Union to provide a complete explanation of their rational for their denial of this application.
Product: Credit reporting or other personal consumer reports

My accounts with these companies were never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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.

These companies 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
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect XXXX : - XXXX Employer - XXXX  Listed below are the Inquiries that are being challenged XXXX XXXXF XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit card

I have had my cell phone number for 5+ yrs and suddenly started to get collection calls for someone I do not know. At first I was understanding and simply notified Barclay 's card XXXX that they had wrong number and to update and remove my number. Barclay 's card of XXXX always say they will comply with my request to remove my number and stop calling me. I currently get calls from Barclay 's every other day and I receive harassment regularly. I had to threaten FTC involvement just to get them to tell me who they are. they then told me they wo n't stop because they use auto dialer. I have received over 30 calls from them and asked to be left alone, however, they say that they will not stop because they do n't have my number as a primary number. They advised me that the unwanted calls will continue even through they acknowledge that they are calling the wrong person. This is incredible to me.CAN SOMEBODY PLEASE GET BARCLAY 'S CARD USA TO STOP CALLING MY PHONE AT XXXX AND THROUGHOUT THE DAY LOOKING FOR SOMEONE I DO NOT KNOW? 
I ca n't understand why they have a policy of refusing to identify themselves unless threatened with legal action. And i thought auto dialers were illegal in California? I ca n't understand how Barclay 's Card XXXX would tell me that they wo n't stop calling me because they ca n't find my account ( I NEVER HAD XXXX ) and this is somehow my fault this issue is happening. 
I really need help here ... .30+ calls and counting up to and including as i am writing this letter with them saying they wo n't stop is unacceptable harassment.
Product: Credit reporting or other personal consumer reports

In order to REMIND the XXXX and Transunion Credit Bureaus that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that XXXX and TransUnion BUREAUS MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$880.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XX/XX/2023 XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance XXXX {$1100.00} XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX Balance : {$780.00}.
Product: Credit reporting or other personal consumer reports

I have been disputing this account XXXX XXXX  ending in # XXXX multiple times. This account does not belong to me. I refuse to pay any amount to this debt that does not belong to me. This account must be removed a d it is reporting in violation of the fcra and fdcpa. I have never owner or opened or authorized any account with XXXX XXXX. 

Please find attached a new copy of FTC identity theft report.
Product: Checking or savings account

Hello so its been now 3 months Ive been calling Citizens Bank to report fraud that happened in my account I sent them proof even filed a police report months ago and I was told i was supposed to get provisional credit and a call from the claims department but its been its months and Ive been calling every single day for the past 3 months Im seriously thinking about taking legal action against citizens bank those fees and transactions caused me financial harm Ive been trying to show them as proof as possible but still nothing has yet to be done
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I filed a complaint with CFPB against Transunion Consumer Reporting Agency and XXXX XXXX XXXX XXXX for reporting fraudulent and incorrect information after multiple dispute whereby Transunion did not correct and XXXX was aware that they did not own the account for which they were reporting. 

The response from both XXXX and Transunion was that the information was removed and that it would not be any further efforts or reporting. About a month ago, I noticed that my credit score had dropped drastically with Transunion when no new negative activity had transpired. I reviewed my report tonight and noticed that XXXX still shows on the Transunion Report. When you show the three bureau report, you can see that XXXX does not exist on XXXX or XXXX but it is showing on Transunion with balances. In addition, Transunion is still showing a {$3700.00} balance with XXXX XXXX. I filed a complaint with CFPB regarding the wrong balance that Transunion is reporting for XXXX XXXX as well. I have been denied credit and my score is very low because Transunion will not correct the program and XXXX is still reporting the account that was to be DELETED PER THE RESPONSES OF BOTH TRANSUNION AND XXXX XXXX, XXXX.
Product: Debt collection

I do not have a contract with this company XXXX XXXX. This company continues to report inaccurate information and they are reporting charges that I do not owe! The company they are working with is XXXX XXXX XXXX ( sure deposit ) i have uploaded a copy of the letter from them stating the information reporting on credit file is inaccurate and they are going to fix this issue I do not owe XXXX XXXX  never had a contract with them this company was reporting I owe them XXXX but is reporting on credit file as XXXX the balance entire acct is not mine I have never lived in XXXX the XXXX XXXX they are referring the debt to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX XXXX completed an investigation into some fraudulent activity where someone other than myself opened a credit card in my name. The letter was sent to Transunion, XXXX  and XXXX. All three bureaus removed the actual account. XXXX  and XXXX  removed the inquiry but it still remains on my Transunion credit report.
Product: Student loan

I have provided The Department of Ed and XXXX with documentation regarding my missing payment count from XX/XX/XXXX thru XX/XX/XXXX. Still no update on when this will be resolved. Both parties acknowledge the payment count is incorrect but neither party is fixing the issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information being reported by Transunion and XXXX. After all the multiple investigations and reinvestigations, the CRAs are still not doing there job of reporting accurate information of this account with XXXX XXXXXXXX XXXX  ( # XXXX ). All they do is report the balance date has been updated but they never acknowledge my disputes. 

The discrepancies I have identified are as follows : Inaccurate Last Payment Date : XXXX XXXXXXXX XXXX has reported to TransUnion and XXXX that the last payment on this account was made in XXXX XXXX.Contradictorily, they have also reported a payment in XX/XX/2018, which is inconsistent with the stated last payment date. 

Inconsistent Account Closure Dates : The account closure date reported to TransUnion is XX/XX/2018. 
However, the closure date reported to XXXX is XX/XX/2018. 

Transunion has failed my right as a consumer to use the maximum reasonable reporting efforts. They are not doing there due process of reporting accurately. These inconsistencies are negatively impacting my credit score and do not accurately reflect my credit history. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit reports, and the entities furnishing this information are required to report correct and complete information. 

I request that the Consumer Financial Protection Bureau investigate these discrepancies.