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

I am writing to dispute a past due payment on my credit report. XXXX has been reporting late payments on tradeline XXXX account number XXXX inaccurately on my consumer report. I have reached out to XXXX for a remedy. The company emailed me and said they could not deliver it. My character is being attacked, and thats not how I should betrayed. I would like an original copy of contracts, tax id ( 1099 ), and signed statements validating everything. 

It is almost impossible to get ahold of anybody on the phone from Experian, XXXX, or XXXX even if even when your a paying customer. I want my money back. I am dissatisfied by your service. They are basically using my information without my permission. 

These companies promote the protection of peoples credit and claim to prevent identity theft. These companies basically steal your identity, and use your information is being used without our permission against you. Its hindering my ability to do may things such as much as qualify for my home loan for my family. I pray that Experian, XXXX and XXXX remove the late payment, in full or completely block the information on my report per FRCA laws. I have paid the accounts in full. Please fix the technical errors in your system. 

This should be criminal. These companies are conspiring and using trust, and contract to stop the common man from doing trade, and obtaining basic needs. Experian, XXXX and XXXX, please fix your reporting to remove late payment and list that I have paid the account in full. I would go further and recommend a complete deletion from my report. Thanks. I am also seeking arbitration to get a remedy for this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXI was unable to log into my Coinbase Account. My phone had reset and didnt save my email address for my account. Therefore, I dont know the email address I used for my account but Im able to verify to Coinbase support all the information on that account thats verifiable. ( Driver license, banking information, phone number etc ) I contacted Coinbase Support and created a case #. I got an automated response back and thats all. Ive tried contacting them multiple times over the past two weeks and get nothing from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of by due to malpractice while several laws were being broken under the FCRA by your company. This has caused me major financial injury, extreme defamation of character, I can't apply for credit, I'm not able to get approved for housing, I'm not even able to get an SBA loan due to the pandemic in this time of crisis. You have majorly hurt my ability to obtain credit. I've also been disputing with your company for 2 years, I've watched my rights continued to be violated.
Product: Checking or savings account

Hi I have had a relationship with Sterling Savings Bank and then when it got merged with Umpqua started a new 2nd mortgage account with them. 

It was a product called " Relationship Checking '' and was a premier account. At the time I opened, i wasn't sure about any special requirements. Around XXXX of XXXX I consolidated my mortgage and 2nd mortgage with XXXX XXXX XXXX XXXX. Hence my 2nd mortgage got closed. I had electronic statements, and there was no mention of any change in fees being accessed. I just recently was curious about this account, and when i logged in, found they have been debiting {$18.00} per month. I have always never maintained more than {$5500.00} as average monthly balance in the account. 

I visited the branch XXXX XXXX XXXX XXXX and  spoke to the branch manager. She mentioned that the fee was because i maintained less than {$15000.00} per month which was a requirement to avoid the fees. I did tell them my account never had any amount more than {$5500.00} per month as average daily balance. She said she is not aware why i was not accessed the fee earlier, but that there is nothing she could do to help. 

They had taken {$18.00} from XX/XX/XXXX - XXXX XXXX. which is for 23 months which amounts to {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I disputed two fraudulent accounts that I noticed on my Experian credit report. I informed Experian that the XXXX and XXXX 's accounts on my credit report was fraud and that I paid and closed them and I wanted them deleted from credit file per 605B of the FCRA. I sent in my police report, dispute letter and Identification in support of request and as required. Experian still negligently denied my request. I also requested information and documentation the fraudsters could have used and Experian to deny my request. My request was made to Experian per section 609 15 U.S. Code 1681g and subject to section1681h ( a ) ( 1 ) asking for full disclosure of documents. Experian wrongly denied all request. This will be last good faith effort with Experian giving them opportunity to correct my credit report before seeking relief in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX here, and I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days, so those accounts should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the XXXX you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax Data Breach and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXXXXXX XXXX and XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : under the written instructions of the consumer to whom it relates. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make XXXX  consumer report containing XXXX  of the following items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission.
Product: Credit reporting or other personal consumer reports

Back in XXXX, I contacted XXXX, Experian, and XXXX about XXXX accounts being reported on my credit reports. The accounts in question were being reported incorrectly on my reports. Each of the XXXX agencies were reporting inaccurate, inconsistent, and false information. XXXX was the most helpful, and they removed all of the items. I got mixed results from Experian and XXXX. 

The accounts in question are : XXXXXXXX XXXX ( still reporting incorrectly on XXXX XXXX Experian ) XXXX XXXX ( still reporting incorrectly on XXXX XXXX Experian ) XXXXXXXX XXXX XXXX ( still reporting incorrectly on Experian ) XXXX XXXX XXXX ( still reporting incorrectly on Experian ) XXXX ( still reporting incorrectly on Experian ) Please note, all of these accounts are closed. 


XXXX and Experian are currently violating the following laws : -Failure to Investigate Disputes ( XXXX of FCRA ) -Failure to Correct or Delete Inaccurate Information ( 611 & 623 of FCRA ) -Failure to Note the Dispute on Your Report ( 611 ( c ) ) -Failure to Ensure Maximum Possible Accuracy ( 607 ( b ) ) -Failure to Block Fraudulent Information ( 605B ) I would like some resolution to this problem, I've been dealing with it for a long time and these companies simply refuse to follow the law. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : XXXX ) XXXX Card Date opened : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681section 602 A. States that I have the right to privacy. 

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I received a letter from a company calling itself " Municipal Collections of America '' or " MCOA ''. They claim to be working for the city of XXXX to collect a debt of about {$200.00} on behalf of the city. However, there is no outstanding debt owed to the city as all our bills are current and we only receive electronic statements. They also mention several times on the letter how to pay and to share your credit card information with them in the mail. My hope is that these people will be shut down so no one will be taken advantage of.
Product: Consumer Loan

I had a loan through West Lake Financial Services. Around XX/XX/2013 the car was repossessed. During that process while attempting to find me to take the car Westlake Financial called and harassed my family members, specifically my grandmother on a daily basis and threatened that you guys were going to sue me. They also called many other family members and told them about my debt ( which is a violation of the FDCPA ). They also called me at my work constantly. I told them that i was not allowed to receive phone calls and i could get in trouble, which i did get written up for. They also talked to my supervisor and told him that i owed a debt and that they were going to serve me at work. ( another violation of the FDCPA ). They never sued me for the alleged deficiency balance which i still do disagree with. Threatening to take an action that you do not intend to take or that is meant solely for the purpose of harassing is a clear violation of Federal law as well.
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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 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: Mortgage

We are under contract to buy a home and had been working with Navy Federal in the mortgage process. We received pre-approval in a relatively timely manner and a loan estimate via email after repeated phone calls and email attempts. When we decided to use Navy Federal as a lender, we began calling with questions for our loan officer. We called approximately 60-70 times and left at least a dozen messages for both her and her listed supervisor. We have still never spoken to her or her supervisor on the phone or received a call back, only sporadic emails ( maybe 5-6. ). Getting increasingly frustrated with the lack of contact, we called NFCU general phone number on two occasions. The first occasion resulted in the agent going in to speak with our loan officer ( XXXX XXXX ) then relaying information to me, namely that XXXX was too busy to talk and that we would receive a call back. We did not receive a call. XXXX business days later I called the general number once again and was told that XXXX was in the office but could not be reached. The call was escalated to a supervisor. The supervisor informed me that he would email XXXX and her direct supervisor but that no other action could be taken to assist us. When asked what a reasonable time frame in which we would be contacted, he stated that he was unable to predict the future. We inquired on both calls with the customer support about switching loan officers and both times we were informed we could apply for a new officer, but would not be able to get one within our closing window to avoid delaying closing date ( deadline of XX/XX/2019. )
Product: Debt collection

I was admitted the emergency room at XXXX XXXX XXXX in XXXX, LA in XXXX of 2020. I was told by the hospital and my health insurance company ( XXXX ) that my benefits covered the costs. 
Never did I receive a bill from the hospital, yet I recently received a bill from Southern Credit Recovery , INC. XXXX XXXX XXXX XXXX, LA XXXX for the amount of {$750.00}. The bill states that if I do not pay this amount to them that legal action will be taken upon me. 
The bill also says their client is XXXX XXXX XXXX XXXX, XXXX Why would I be told by the hospital and my insurance company that I owe nothing yet this Credit Recovery Company claims I owe {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car accident in the middle of XXXX. The insurance company totaled the car out and had some issues with making a payment out to XXXX XXXX. I contacted them and made them aware of the accident after they threatened to repossess the car. I communicated with both the insurance company and the lien holder to make sure XXXX got their payment. I let them know it would XXXX business days to receive their payment. I sent them proof, and on XX/XX/XXXX they gave an extension to my account. On XX/XX/XXXX, they put a repossession on my credit and classified my account as a charge-off. They received their payment on XX/XX/XXXX, as promised. Now I can not buy a new car without a massive down-payment and crazy interest rates, and have been paying out of pocket for a rental ; because of the repossession/charge-off on my credit.
Product: Mortgage

I received a response letter from US Bank dated XX/XX/2018. I responded to this letter with all information requested from US Bank and re-iterated my concerns ( see attached ). In this letter, I disputed all mentions of any negative payment status to include late payment information showing up on all 3 of the major credit reporting agencies. As requested by US Bank, I attached copies of the disputed information showing up on the 3 major credit bureau reports. The reason why I am disputing this is that I was advised by a US Bank Home Mtg representative to miss at least 3 payments as a condition to qualify for a short sale of my home. On numerous occasions, I have asked US Bank Home Mortgage to provide proof in the form of a recorded phone conversation with US Bank that I was indeed advised to miss at least 3 payments as a condition of the short sale. US Bank Home Mortgage has still been unable to provide any evidence to the contrary or in support of my concern. I submitted this letter on XX/XX/XXXX and it was received by US Bank on XX/XX/XXXX ( see tracking ). It is now 32 business days later and I have not received a response from US Bank regarding this concern.

Please note that I sent a separate unrelated concern to US Bank which was received by US Bank on XX/XX/XXXX, they sent an auto-generated response of insufficient information dated XX/XX/XXXX ( this response was almost identical to the one I received on XX/XX/XXXX ). I do not consider this a timely response to my concern received by US Bank on XX/XX/XXXX.

As US Bank did not respond to my concern within 30 days, I am requesting they remove all negative reporting / late payment reporting to all 3 credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXXXXXX XXXX XXXXXXXX, XXXX, Transunion, between XX/XX/2021, until today regarding misinformation and claim of debt. I was not notified of the collection by XXXXXXXX XXXX XXXX. I do not have documentation from any courts regarding a rental debt. XXXX, XXXX, Transunion refused to provide validation of the debt and certifying information regarding this debt. They refused to conduct a proper XXXX compliance investigation. Failed to provide judgment information regarding alleged rental debt and result in damages for obtaining credit. They also refused to provide all documentation utilized regarding this collection that is a statement as " Validated according to FCRA. '' They also continue to renew the date of delinquency. I also was not provided any information regarding rental history with stated unit regarding alledged debt and delinquency from the time frame it was listed or before it was listed. The total debt alleged is {$2800.00}.
Product: Mortgage

XXXX packets ( XXXX pages each ) of Foreclosure paperwork with a preliminary loss affidavit were left on my front porch. I NEVER received any certified paperwork prior to this finding. One packet was taped to the front door with black electrical tape, and the other identical packet containing names, birthdates, social security numbers, humiliating private foreclosure information was strewn throughout our neighborhood. We are not squatters living in a abandoned home? I am not irresponsible and have 3 years of documents and supporting proof that I have been trying to get a loan modification with Wells Fargo. I have a story like so many others, My spouse left me and I am raising XXXX children in our home and neighborhod of 17 years. I am a full time employed for 28 years as a XXXX who lives a very private life. One of these packets that was left on my doorstep, NOT in any sort of envelope was strewn throughout my entire cul de sac and many pieces were returned by neighbors. Returned to my children who did not need this additional XXXX of potentially losing their safety and security! 
It was obvious to ALL who returned it 's pieces that it was foreclosure paperwork. Humiliating and embarassing and resulting in stigma and harassment. I am not even certain that all of the paperwork has been returned and it is HIGHLY CONFIDENTIAL. Why wasn ; t it treatedas such. Despite is being public record through the court system, this type of negligence is demoralizing and damamging forever especially to XXXX innocent XXXX and XXXX children. Why was the information not attempted to be delivered certified mail? There should have been two attempts with receipt requested left on door similiar to when I receive a package?
Product: Debt collection

Kings Credit Services has been reporting an old collection debt on my credit report for over a year from a medical office named XXXX XXXX. I have asked numerous times for them to verify this debt and send me the proper verification. They have refused to fully verify that I owe this debt and admitted by phone that they do not have the original signed contract from the original company. All they send me is a printout of services that were supposedly rendered to me, But do not include any contract that I signed. I feel that this is against HIPAA laws and section 609 of FRCA as they can not produce the original signed contract. I've contacted them by email, mail, and phone and they refuse to verify and/or remove this debt. I am asking for this debt to be removed from all three of my credit reports immediately as they can not produce the original signed contract to verify it.