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

I'm only going to describe information pertaining to XXXX and Equifax. I've already completed the XXXX XXXX part. Refer to my Attachments to see the entirely complaint. I sent my first dispute letter dated XX/XX/2022 to XXXX, XXXX and Equifax stating that I never had a contract with this debt collector for any debt pertaining to XXXX XXXX XXXX. Please provide proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I received an email from XXXX pertaining to the dispute pertaining to XXXX XXXX XXXX. I logged into my XXXX account and read that XXXX XXXX XXXX has certified to XXXX that information is accurate. This item was not changed. My question is who telling the truth. XXXX respond very quick stating that this item was not changed. But XXXX XXXX XXXX needs more time to investigate. I received a letter/credit report from Equifax dated XX/XX/2022 stating that they Verified this item belongs to me. My dispute letter requesting proof that this debt collector can legally collect on this alleged debt. All three credit bureaus investigation stated as verified. XXXX and Equifax also did not do a proper investigation. Validation and Verified are two different scenarios. XXXX and Equifax continue to allow XXXX XXXX XXXX to report onto my credit report. Along with this letter are the following evidence listed below : 1. 3 Dispute Letters dated XX/XX/2022 sent to all three credit bureaus pertaining to XXXX XXXX XXXX. 2. Certified mail/ tracking numbers sent all 3 credit bureaus. 3. Credit Reports from all 3 credit bureaus.4. A report from the Better. I am requesting that this account be removed from my credit report and I am seeking monetary damages in the amount of {$1000.00} per violation from XXXX XXXX XXXX in failing to produce information per consumer request in a reasonable time by law. And all 3 credit bureaus : XXXX, XXXX and Equifax failure to properly investigate my request, instead, all 3 bureaus verifying my dispute as Accurate. Verifying information and requesting a debt collector to provide proof that they can collect on a debt and to produce a contract, is two different things.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter asking for this company to validate the debt the claimed I owed they never responded and after I filed a complaint through the cfpb they responded with a stall letter and no proof this account belongs to me
Product: Mortgage

Mortgage company XXXX XXXX, took monies, wouldn't let me file a claim during the storms, sold mortgage to Fay servicing, Now in foreclosure.
Product: Mortgage

Ive had this issue with my mortgage company, Mr. Cooper, for several months. While several attempts were made to correct it, with me pointing out what they did wrong at the start and eventually getting the dollar figure much closer, there now seems to be a problem that causes monthly, incorrect tabulations. I believe they have a system error that isnt allowing backdated corrections. We came close to correcting the problem, see attachment date XX/XX/21, but as months went by the difference between what I say it should be and Mr Coopers calculation started to grow again. 
The issue started in XXXX when I tried to 1. add an additional amount of {$7000.00}, 2. reverse an escrow check of {$860.00}, and 3. increase my additional monthly payment from {$1500.00} to {$1500.00}. I have attached my personal spreadsheet I use to track Mortgage Co statements. The Balance column is my calculations. The Mr Cooper column is what appears on my statements. Note difference was good until XXXX. First attempts shows a difference in XXXX and second in XXXX. 
I have made several attempts to communicate with personal by phone and emails at Mr. Cooper. Many phone calls were made and eventually conversations and emails with two different supervisors. Some of these are attached as well.
Product: Debt collection

Portfolio recovery said they send me a letter from XX/XX/2016 for the amount {$65.00} but I did not get a letter they also said XXXX XXXX sent XX/XX/2016 and I did not get that letter either. So I have know knowledge of said debt but got a phone call while at my job about this debt.
Product: Debt collection

The. Hsn company. I got hsn account in 2018 and that not I'm hsn. account someone open.the hsn account them self I. Didn't live in that XXXX. XXXX XXXX. XXXX ks XXXX. And you will find out how the person is at all because it won't show up on any. Where at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$280.00} XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX {$740.00} XXXX XXXX  XXXX {$530.00} XXXX/XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$93000.00}
Product: Money transfer, virtual currency, or money service

I had this amount of XXXX USDT in my Coinbase wallet as of XX/XX/XXXX. 

I am reaching out for help for an injustice caused to me. Many other people have been affected by this company. 

More than $ XXXX ( XXXX USDT ) was drained from my account @ Coinbase on XX/XX/XXXX. I have been following up with Coinbase but to date, nobody has called me from their side and their customer representatives keep saying they are escalating this. 

Before that disastrous event 1. After chancing on links that Coinbase balances were being drained, I tried to move money out of the Coinbase wallet multiple times which I couldnt on XX/XX/XXXX evening. I called up Coinbase and told them I couldnt move my money out. 
2. I then requested Coinbase to freeze my account which they said they could, but then said they would not as they did not see any fraud. 

Imagine my surprise that within XXXX hours after my call I find that my money missing early XX/XX/XXXX. Was this drained from their side? The timing is very suspicious. 

Since then I have not been successful in talking to the right person in Coinbase in resolving the missing XXXX USDT vanished from my Coinbase wallet. In spite of my requests, nobody from Coinbase has called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ;
Product: Debt collection

I dispute the accuracy of my credit report, as the listed accounts ( XXXX XXXX XXXX ) are confirmed cases of identity theft, acknowledged by the respective banks. The law requires immediate removal of such fraudulent accounts, and failure to comply will result in necessary legal action.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their despite resolution processes was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to XXXX the claim - XX/XX/XXXX : XXXX paid XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX the leasing company - XX/XX/XXXX : I called XXXX to verify my account was fully paid off. The call was recorded and they confirmed it was paid off / no amount owed by me - XX/XX/XXXX : I received a letter from XXXX saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that XXXX had closed this account and that I owed more than {$15000.00} - XXXX XXXX, XXXX : XXXX XXXX Services ( the counterparty to my car lease ) as well as XXXX both confirmed that the account was {$0.00} and settled and they have corrected my credit report. I verify this with the credit agencies and think the issue is settled - XX/XX/XXXX : this zombie account ONCE AGAIN appears on my credit report, damaging it by a negative XXXX points. I call XXXX and they confirm that this account is closed and settled and they don't know why it's negatively impacting my credit
Product: Debt collection

This fraudulent / erroneous entry is defamatory and both willfully & negligently non-compliant pursuant to 15 U.S.C. 1681i ( a ), 1681o, XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX CirXXXX XXXX XXXX
Product: Credit reporting

Credit Karma has XXXX open accounts for XXXX.They have both been discharged in a bankruptcy therefore they are closed.I tried 3 times to get them to fix this they have not.
Product: Debt collection

I was in a XXXX XXXX XXXX in XXXX of XXXX. VA was responsible for paying all of my medical bills, including ambulance services, because I am an XXXX veteran, who receives medical care in the community, instead of VA facilities. VA did not pay my medical bills, and now I have been harassed by what I presume to be debt collectors and attorneys. 

However, I believe that some of those callers are scammers.
Product: Vehicle loan or lease

U.S. Bank Branch XXXX XXXX XXXX XXXX 0.7 mi XXXX XXXX XXXX XXXX XXXX ) XXXX Opens at XXXX XXXX Auto loan we never received a written or e-statement from the bank. We have asked this two or three times We have filed complaints with California Consumer Affairs with the California Attorney Generals Office.

Payments have not been recorded, and we have to drive in person to pay the account without an account number. Why?
Product: Payday loan, title loan, personal loan, or advance loan

Right Now Loans said that I made a {$750.00} loan on XX/XX/XXXX. According to Right Now Loans I was overbilled 23 times of {$5200.00} The issue was reported to XXXX XXXX XXXX on XX/XX/XXXX.
Product: Vehicle loan or lease

My XXXX XXXX XXXX was stolen from my job XXXX of XXXX out of XXXX XXXX. XXXX XXXX sheriff 's came out and took a report, the report number is XXXX. I let Experian now the issue and their still trying to make me pay for a stolen car.
Product: Debt collection

I received a call from debt collector in XXXX AL, called Amsher. 
Trying to receive collection on a debt that is not real, from a company that I do not have an account with. 

They said XXXX sent me to collections for 109 XXXX They stated the debt was made XX/XX/2021, I believe. Before they told me anything, like the name of the company etc., they mentioned the last four digits of my SSN! They also quoted an address that has never been associated with my account, and is only found on my I.D . card. 

I went into a XXXX store in XX/XX/2021, where they took a picture of my I.D . card, however I am a XXXX customer and only was in the store because of the merger. 
If XXXX did have some collection on me ( which is impossible because I have reoccurring e-payments set up monthly that have been consistent the past year ) they would only have one address for me, which is the address on my account, not a very old address that is only on my I.D .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

15 USC 1666B : A credit plan as late for on purpose.
Product: Debt collection

I have never had an account with XXXX XXXX or Transworld. 
I believe whatever this account is that has been opened is fraudulent. 
I have tried to dispute on all three credit reporting agencies to no avail and was told by XXXX to try the FTC route. 
I have no contracts, letters or receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and a result of identity theft. They are not mine. They are currently reporting to transunion XXXX XXXX XXXX XXXX The following inquiries are not mine reporting to transunion XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX The following inquiries reporting to XXXX  and XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX The following accounts are not mine and reporting to XXXX  and XXXX  XXXX XXXX  XXXX   {$950.00} XXXX XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have reported the accounts as disputed already and have not received a response, but I am requesting the credit bureaus do a full debt validation investigation with the creditor XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Please update this inaccurate account. XXXX XXXX XXXX XXXX Balance : {$9600.00}.
Product: Debt collection

I am are currently dealing with an issue with Portfolio recovery associates. They are claiming that I owe XXXX for a credit card that is not mine. I have disputed these accounts already with both Portfolio and also with the credit bureaus and they are coming back with documents that they claim show proof that it is my account. However, the papers they are sending show nothing but a few statements of transactions and do not verfiy that they were mine. I continue to go in circles with this company and would like these removed!
Product: Consumer Loan

On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the XXXX bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX bank with XXXX hard inquiry
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I have a mortgage that is now owned by PennyMac. The original home was appraised for {$170000.00} and the current balance is {$140000.00} which is 79.5 % loan to value ratio. I called up the company to have my PMI removed and they declined with the reason that my LTV is not below 80 % yet and so PMI can not be removed. This is a false statement! 

I also called them on XX/XX/2019 at XXXX pm and they did accept that the LTV ratio was below 80 % but they wouldn't remove PMI until the termination date of PMI. I asked if they would do, if my LTV was 78 % or lower and they declined that as well and said the only way to now remove it is to request a Brokers Price Opinion ( which I have to pay for and it may cost between $ 100- {$300.00} ) or an appraisal which would cost ( $ 400- {$1000.00} ).

The information I have read about everywhere says that once LTV is 78 % or lower, it should automatically be dropped, but Penny Mac refuses to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This all started when my lease with XXXX XXXX on a XXXX XXXX was about to be up back around XXXX of 2019. I returned the car and thought everything should be good to go. I had automatic payments on the entire time, and have never missed a payment with any account I have, outside of just XXXX. When I called and asked them why my payments had not posted they assured me that they were undergoing a system upgrade and it might take a month, but I wouldn't be held liable for any late fees or extra costs. I thought we were good at that point. I called at least six more times to XXXX over the course of two months seeming that the payments weren't posted and I saw late fees on my account, with a new balance that I owed, a number that was completely different than all my other payments. No one could give me any answers and they changed their tune at this point basically accusing me of not making the payments. I had my bank verify the payments and everything. Eventually I started getting mail from collections agencies and after months of nothing from XXXX, they claimed I still had a balance on my account which is inaccurate, and at this point predatory. They have been harnessing me ever since. I recently tried to refinance my car loan and the derogatory remarks showed up that I never paid the bill and it was in collections. This was the most unprofessional, predatory, and downright shameful way to act from XXXX. I would like the bill in collections removed from my credit immediately. We spoke over the period of four months and they were not able to verify any of my payments, how much I owed, or anything, due to their own system upgrade. I would also request the most recent hard pull on my credit for the car loan be removed as well seeming that it would have gone through if it weren't for XXXX 's derogatory remarks. Once again, I have my every single payment in full and on time for every single one of my other accounts. This is completely out of character for me and is something I would never do!
Product: Credit reporting or other personal consumer reports

I was a victim of identity thefts my information was compromised from XXXX  and sold through the black market.
Product: Credit card or prepaid card

There has been unauthorized charges of {$2600.00} on a credit card that I have known as last four ( XXXX ) XXXX Citi Simplicity Credit card, I have contacted their customer care and their security department indicating them of all these bogus charges and to this date nothing has been done about resolving these charges and give me credit on my account, this has been going on since XXXX to this date in XXXX, interest charges, late charges have been added on the total owed on this card. 
I have gathered all my statement and have proof of these bogus unauthorized charges via my monthly statements. 
When I contact their customer care phone number they readily send me to their security department who in turn does nothing to resolve these charges much less investigate them, in this account and another account I made the mistake of authorizing auto-pay from my checking account and I have indicated that I want to terminate the auto-pay but it has fallen in deaf ears and my balance just keeps going up instead of falling after each monthly payment as it should be. 
I do have written proof of all these bogus charges since I open this account I had only one primary charge and never used this card again to buy anything, the card was never activated after the first original charge.
Product: Credit reporting

transunion reinserted accounts already deleted for lack of verifiable documentation.
Product: Credit reporting or other personal consumer reports

I noticed several un authorized new inquiries on my credit reports I reached out to all three credit agencies to have them removed and I was denied, per my right I have filed an FTC report.