23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I ask Experian credit bureau to delete old inaccurate information, which they have return a letter with an statement that saids we received a suspicious letter and we determined it was not you. I want them to delete old inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I noticed several incorrect accounts. I have reported this to the credit bureaus, and they have added a fraud alert to my account. I have also begun the process of calling each lender/creditor to inform them that I did not open these alleged accounts. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX  XXXX XX/XX/XXXX {$2400.00} XXXX XXXXXXXX XX/XX/XXXX {$270.00} XXXXl XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1500.00} XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$2000.00}
Product: Money transfer, virtual currency, or money service

I have fallen victim to identity theft this past year and have been experiencing a problem with Coinbase and my cryptocurrency  held there. I have lost access to numerous email addresses, phone number, and accounts due to the theft. I have contacted Coinbase on numerous occasions making sure they had all of my updated info, at the end of every call I made sure that there was only one email address that was being used for my one account held there to eliminate any confusion in case this happened. I was assured each time that yes only one email was associated with my account. I am being told now that I have multiple accounts and im being asked for the details of those account to close them. I don't remember all those details because as I said before I've had to change so much. I need access to my account period I have waited snd waited. I have over 1000 transactions I've placed there and I need the completed details of absolutely everything. I haven't been able to file my taxes because of this matter. I was told they would have an update for me and would have access by the end of XXXX, and here we are at the end of XXXX. Something needs to be done asap. I need access.
Product: Debt collection

On XX/XX/XXXX I placed a call 2 Sims associate I told them that this was not my debt that this debt was written off I have until the XXXX to respond a XXXX I respond on the XXXX with a phone call and then a Written Letter which they should have received close to the XXXX instead of them stopping Collections and verifying that the debt was actually mine it went forward and put it in the credit bureau not operating in the procedures that is done it should have been stopped collection and send verification the alleged amount of debt is {$7600.00} I asked that they verify this to the penny original contracts anything with my name signed on it and the proof of all purchased items dates and time and that they truly on this debt and have the right to collect this debt they did not give me the proper rights that I deserve because if they would have investigated this has not been on my credit report XXXX  original creditor XXXX XXXX XXXX none of this was on my credit report for years why not even the XXXX card was not on my credit report cuz it was forgiven
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Investigation of Accounts that should be removed : Bankruptcy case # XXXX Bankruptcy case # XXXX To whom it may concern, Since you have not given me the names of persons with their addresses that you contacted for verification of the information, so that could follow up as I requested, I assume that you have not been able to verify the information I have disputed. It is really disappointing to find a credit bureau not following the procedures and not maintaining the accuracy XXXX XXXX requested by the Fair Credit Reporting Act ( FCRA ) According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : 1. Follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. 1681e ( b ) ; 2. Comply with the rein investigation requirements as required by 15U.S.C. 1681 ; 3. Should not provide consumer credit file to companies without determining that there companies has a permissible purpose to obtain consumer credit files pursuant to 15 U.S.C. 168b ; 4. Provide consumer credit files pursuant to 15 U.S.C 1681g ; 5. Et seq Through this letter, I am re-submitting my request to make the reinvestigation and verification process faster. I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid derogatory information from my consumer disclosure report. I would also like to know about the procedure adopted to verify this claim, business name address, and phone numbers of those who have been contacted for the reinvestigation process, this is my legal right, according to the FCRA. Thus, I request you to comply with the laws and furnish me with the information I have asked for within a period of thirty ( 30 ) days.

For your convenience, I am sending you a list of the items you need to reinvestigate. These listed accounts are neither my debts nor my authorized inquires. Please correct this by the removal of these items from my credit report. 
Upon Completion of you reinvestigation, please send a detail description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the contact information of the agent conducting the said reinvestigation in case future communications is necessary. 
I know that your company will need some sort of verification to prove my identity. My information shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance in this matter.

Sincerely XXXX XXXX XXXX CC : FCRA
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and there are fraudulent accounts reporting to my credit. Fraudulent Items : XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ), DATE OPENED : XXXX, BALANCE ; {$400.00}. XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ), DATE OPENED : XXXX, BALANCE ; {$170.00}. XXXX XXXX XXXX ( ACCOUNT NUMBER:XXXX ), BALANCE ; {$690.00}. XXXX XXXX ( ACCOUNT NUMBER : XXXX ), DATE XXXX, BALANCE ; {$470.00}. XXXX XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ), DATE OPENED : XXXX, BALANCE ; {$230.00}. XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ), DATE OPENED:XX/XX/XXXX, BALANCE ; {$0.00}. XXXX XXXX XXXX ( ACCOUNT NUMBER : XXXX ), DATE OPENED : XXXX, BALANCE ; {$0.00}. DEPT OFEDXXXX ( ACCOUNT NUMBER : XXXX ), BALANCE ; {$1100.00}, {$5400.00}, {$5900.00}, {$7700.00}, {$1800.00}, {$990.00}, {$5300.00}, {>= $1,000,000}, XXXX, {$2400.00}, {$2800.00}.
Product: Debt collection

Yesterday XXXX, they had sent me an email regarding an amount owed. I had emailed them back yesterday requesting for communication to only be done via email so I have everything in writing. Today, XXXX they had called family members asking me to give them a call back & did not respond to me with the requested information.
Product: Student loan

I have a number of student loans that initially were with XXXX XXXX. They are now with Navient. Although some of the loans are being paid on time I was having issues with XXXX other outstanding loans in that different people at Navient kept giving us different information on the interest rates and possible monthly payback options. A deal was struck with Navient in XXXX this year ( 2015 ) and then that deal was changed. I filled out numerous budget reports to XXXX/Navient ( which were required ) over the phone and explained over and over again what we could afford, this was all to no avail. In XXXX of our last phone conference calls with my Dad helping me out, they were insisting on a lump sum settlement which we were not able to do. The phone calls were coming in to us at a rate of over 5 to 7 per day and they got nasty and negative. No one was willing to work with us given our financial situation. We told them over and over again what we could afford and it was never good enough, it always had to go to a VP at the company for review and some reps told us to expect a call from the VP and other reps and supervisors told us we were crazy that the VP 's never spoke with the consumer. The highest level person we got was a supervisor and it was always someone different and equally as nasty. At some point in XXXX 2015 we received a call from XXXX XXXX XXXX ( the company that Navient has us in collection with ). After a couple of conversations with XXXX they are telling us that the only way to resolve this is by a lump sum fee and there is no way to work out monthly payments. The supervisor at XXXX yelled and hung up on my Father during the last phone call insisting that a lump some arrangement be made. No one will work with us or offer us payments that we can afford.
Product: Mortgage

I am with Shellpoint Mortgage. My payment for the month of XX/XX/2022 has not posted to my account.I am with the HAF Home Owners Assistnace Fund through the State of Florida. I checked with my HAF department and said check was sent out XXXX XXXX and showing received XXXX XXXX. 
I just would like to get my payment posted to my account. It is now XXXX XXXX and no payment posted. Not sure what the hold up is everyone to get these posted.Please locate my payment and post please.
Product: Debt collection

XXXX seeks to recover from an illegally or unknown DEBT against me as I deny any obligation, was NEVER LAWFULLY served with legal process on any account relating to WELLS FARGO BANK VISA. 

I deny any debt, claim, or judgment by WELLS FARGO VISA or XXXX, and if any judgment taken illegally against me, collection is likewise illegal. 

THIS OBLIGATION IS BARRED BY THE CALIFORNIA STATUTE OF LIMITATIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax website doesn't work and customer service is worthless. 
I login. 
Won't let me submit dispute online. 
I call. 
They attempt to verify me with questions off my credit file. 
I read verbatim the answers off of the credit report I have pulled up on their website that I have just logged into. 
They say they can't verify. 
????????????????????????????????????????!!!!!!!! 
I just read the information word for word off of their very own credit report?????? 
What is wrong with this company? 
Absolutely awful experience.
Product: Checking or savings account

There was an incident yesterday at the US Bank in XXXX, Oregon - the downtown XXXX location ( XXXX XXXX XXXX XXXX, XXXX, OR XXXX ). I am asking for someone to address this matter because I believe the bank tellers are responsible for my now ex-boyfriend stealing close to {$3000.00} from me. I called XXXX and three officers with the XXXX Police Department responded. A lot of what happened was recorded due to the officers having body cam footage. 

The bank tellers at this branch location are well aware of the fact that I receive a large check once a month for the work I do as a court-appointed attorney. The consortium I work for does not have direct deposit, and since my bank XXXX XXXX XXXX XXXXXXXX ) puts a hold on my check for approximately one week, I try to get the check cashed at US Bank since the check I receive is a US Bank check. I used to have an account with US Bank, but for whatever reason, I have been unable to open an account again. 

Because the monthly check I get once a month is so large, the bank never has enough cash to cash the check for me. The only way we figured out how to help me cash my check was to have my now ex-boyfriend open an account so that I could sign over my check to him, have the check deposited into his account, but then the bank tellers could write cashier 's checks for me so that I could get my money back and be able to pay my bills, business expenses, etc. This was the third month in a row where I signed over the check to my now ex-boyfriend WITH THE EXPECTATION that the bank tellers would write me cashier 's checks for all of my money. THEY NEVER TOLD ME THAT IF I AM DEPOSITING MY CHECK IN MY EX 'S ACCOUNT THAT I HAVE NO SAY OVER WHAT HAPPENS TO MY MONEY. What happened yesterday almost resulted in me losing close to {$19000.00}. As soon as the check was deposited in my now ex-boyfriend 's account, he left the bank in an attempt to get away with all of my money. I thankfully ran out after him, yelling and screaming, and told people to call XXXX. I eventually got my ex back into the bank and three police officers showed up to address the issue. 

NONE OF THE BANK TELLERS WOULD EXPLAIN TO THE OFFICERS THAT MY EX HAS NEVER BEEN ENTITLED TO MY MONEY. I am appalled that when I asked them to tell the officers that what my ex was doing was never authorized by me, the bank tellers ignored me. The only reason my ex has been involved is to help me access my money quickly- the money is NOT his. Had it not been for one of the police officers trying to reason with my ex, I would have lost all of my money. My ex only agreed to give me {$16000.00} of my {$18000.00} check. This is wrong and I want US Bank to pay me back the money that is mine that my ex stole from me, aka {$2600.00}.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 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 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: Checking or savings account

I filed a complaint 2 weeks ago. Chase called me and I have talked with her twice. A message was left on my phone on Friday XXXX XXXX to call them on Monday XXXX XXXX. I called and left a message. On Tuesday no one called me. I left another message on Tuesday XXXX XXXX. No one has called me back. I left a message on XX/XX/2020 and an hour later was called back. They were still would not tell me what the problem was. Only that they were working on it. 
On XXXX XXXX Chase deposited {$7400.00} into my account that was not mine. I didn't know where that money came from and neither did they. I left the money there knowing they would take it out. They have not. On XXXX XXXX my account was closed. 
After closing my account they accepted 2 direct deposits from my work and my Social Security check over {$3100.00}. I am now in default of my mortgage. Default on my Chase Freedom card by 10 days. My Chase Amazon Card by 11 days and in 2 days my Chase Auto payment is due. They have held my money for over 23 Business days and all they will tell me is they are looking into it with no apparent time that I will receive my money. The only reason that I have is that because of Chase Mismanagement of their customers accounts that they have closed my account through no fault of my own.
Product: Checking or savings account

Please be advised that my office represents XXXX XXXX. She went on a trip to visit her family in XXXX from XXXX to XXXX see the attached passport. Someone withdrew from my bank account on XX/XX/10 {$3000.00}. Attached is the bank statement. She advised Chase that it was not her who withdrew the funds and that she was not in the United States. My client is willing to provide photo identification so they can compare it to the photo of the person who did the actual withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed hackers to steal my personal financial information due to their ridiculously insufficient security. What U.S. Senators were having a hearing to weaken regulations on Equifax and similar companies just before this security breach? Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXXX/XX/XXXXCash App sent 1099 tax form to IRS under my personal information. Claiming I earned {$6500.00} in XXXX. I have never received any money, payments or any currency through this " Block , Inc Cashapp ''. Iv tried contacting them with zero results. Fraud Fraud Fraud!
Product: Mortgage

I need a loan modification release from XXXX XXXX from XX/XX/2001. XXXX has since gone bankrupt and Freedom Mortgage has taken over their company. This loan was in my previous married name and my ex husbands name- XXXX XXXX & XXXX XXXX XXXX . I have contacted Freedom Mortgage twice now and they will not help me with this issue so I can trade in my current home for a new one and complete all the closing documentation. The title company has also contacted them for this without resolution.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.