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

I submitted to XXXX and equifaxmy medical card showing I had medical insurance. And uploaded from their site when accounts was sent to collections via their site to cross reference. I also sent my report that I disputed the account was open fraudulently. ( XXXX XXXX ) I uploaded proof the previous creditor deleted the account. And proof both accounts deleted from XXXX. In the dispute results it states '' Creditor identifies this account as accurate '' I don't see how when I have proof otherwise and get a generic response I attached my receipts I sent to XXXX, and when the accounts was originally sent to collections per their website. Reflecting all these account 's was AFTER I had insurance.I..also attaching my fraud report for XXXX collections and letter from previous creditor deleting the account
Product: Credit card or prepaid card

i AM XXXX XXXX XXXX AND I HAVE SEVERAL CREDIT CARDS WITH SEVERAL RETAIL STORES ... AND SYNCRONY BANK IS WHO I MAIL MY PAYMENTS TO. XXXX XXXX ..DISCOUNT TIRE,,, ETC ... SYNCRONY BANK IS SENDING ME EMAILS THAT IN XX/XX/2021 THEY ARE NOT GOING TO SEND ME PAPER STATEMENTS SO ICAN MAIL BY CHECK MY PAYMENTS..I ALWAYS PAY BY CHECK. THEY SAID I WOULD BE RECEIVING EMAILS TO MY COMPUTERS OF MY STATEMENTS.. I TOLD THEM THAT MY COMPUTER IS OUTDATED..AND I DO NOT ALWAYS USE IT. AND THAT I AM NOT PLANNING ON KEEPING THE INTERNET SERIVCE ..THEY HAVE IGNORED ME. THEY WANT ME TO MISS MY PAYEMNST WHICH I NEVER DO SO THEY CAN ADD LATE CHARGES ... THESE COMPANIES SEEM TO HAVE A HOLD ON THE CONSUMER AND IMPOSE THEIR WILL ON US ... ... ...
Product: Credit card or prepaid card

I was a victim of credit card skimming, the information on my card was used to make multiple charges on my account in less then 24 hours, I don't even live in the same state these transactions took place and my bank isn't doing anything about it.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the enduring inaccuracies on my credit report due to erroneous reporting by XXXXXXXX XXXX. My reports show 120 days late, which is false. it was in Forbearance. 
Despite XXXX prior letters sent on XX/XX/2023 and XX/XX/XXXX with substantial evidence ( that I can't put here given SSN #, etc. ) to debunk the incorrect information, there has been no response or corrective action from their end. Now, over 75 days have passed with no resolution, displaying a clear negligence on part of XXXX XXXX. I have also filed with the bureaus and they all use the online auto info sent by XXXX instead of a human being reviewing. 

The negligence and incorrect reporting by XXXXXXXX XXXX have had a detrimental impact on my financial standing. Specifically, My refinance was cancelled and now the rate increase will cost me over {$43000.00}, XXXX reduced my credit line by 90 % due to the incorrect information reported by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/2021 Balance : $ XXXX
Product: Credit reporting

the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it. 

In addition my middle name is incorrect on my report
Product: Money transfer, virtual currency, or money service

Originating bank is XXXX. Receiving bank is Chase Bank. Transfer amount is {$25000.00} CAD. On XX/XX/2021, XXXX committed an error by typing the incorrect account number for the receiving bank. On XX/XX/2021 I advised XXXX of the error when I noticed they did not use the account number I supplied. XXXX replied saying this is not a problem because the receiving bank won't transfer the funds if the account number and name on the account don't match. Chase Bank committed an error when they deposited the funds into the wrong account anyway. Each institution is blaming the other and no one is giving me my money back. They are currently trying to recover the funds but I suspect this could take a very long time and I can no longer tolerate being out the money. I have e-mail documentation to back this all up. I've given both institutions ample time to remedy the situation but not success at all so far. I would like a complete investigation on Chase Bank and if they committed wrongdoing would like to pursue all remedies.
Product: Mortgage

For the past 10 years or so, Select Portfolio Servicing, the seevicer on my loan has repeatedly lost payments, added additional fees, and has tried to foreclose on my home. When I have requested information of who my note holder or investor is, they tell me it is XXXX XXXX XXXX XXXX. However, when I call XXXX XXXX, they have no record of me or my loan. They have tried using my SSN, Name, and Address. And still nothing. In XX/XX/XXXX, SPS tried to foreclose, but did not have the loan transfer documentation attached. So, in XX/XX/XXXX the forged that document saying it was sold in XX/XX/XXXX to XXXX XXXX XXXX XXXX. The document was not filed in the court clerks office until XX/XX/XXXX, when they tried to foreclose the first time! They make threatening and harassing phone calls. Do not report payments. And give out false and misleading information. My attorney has contacted them several times as have I requesting the documentation which is not accurate. I have even called XXXX XXXX XXXX XXXX on a conference call with SPS to prove that they do not have my loan. So who has my note?
Product: Credit reporting or other personal consumer reports

I would appreciate receiving an official letter from your office confirming the cancellation of the debt. 

If this charge-off is found to be inaccurate, I expect it to be removed from my credit report.
Product: Debt collection

I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision
Product: Debt collection

The organization contacted me asking for an amount different from the property management and an amount not owed by me. I have ask for verification and such documents were not given ( a copy of the letter sent that informed the PM that a lease renewal was not need, and a copy of the checkout or walkthrough checklist indicating that all keys were turned in ). Further more, without supporting documentation the collection agency can not make a valid claim. I further request, that the company make an ethical decision contacting all federal agency removing accusations until proven to be factual.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus are adding " Reaffirmation of Debt '' each month to my XXXX XXXX XXXX XXXX XXXX card each month. They are reaging my XXXX XXXX that was XXXX in 2015. 

This is bringing down my score XXXX points each month and they are not fixing the issue & have closed or failed to respond within the specified time frames. 

Equifax, XXXX and XXXX have negatively affected my accounts due to this erroneous reporting they are not correcting. It took me years to build up my credit and these agencies are not doing their due diligence in fixing the issue and coding on my credit file. They refresh the " Reaffirmation of XXXX '' each month and fail to delete this from the file since the XXXX  was XXXX over 7 years ago going on 8 years.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
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 {$130.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed Chapter XXXX Personal XXXX  in the State of Wisconsin. Court Order for Payment plan submitted and accepted by all creditors. Bank Creditor is not reporting payments made, just reports payments not made or marks account as a charge off. This is false. The account is not a charge off. The account is being paid, monthly by the Court Appointed Trustee. Creditor continues to charge penalty and interest and fails to report payments made by Trustee for Debtor. Balances are still incorrect on reporting. Debtor has submitted all records of payment to Bank Creditor. Spoke with Bank Creditor twice. They said they would fix the account. Received an email from Bank Creditor stating someone would be in contact. None of this has happened to date. This has been ongoing for well over 10 months. I have proof of payments, Court Order, etc. and communications with Bank. Just because they are a Bank providing a bank-issued credit card doesn't mean they can be selective in their reporting. If they can report negative items, they can also report positive items. They have failed to report payments for the past 10 months. False reporting. False account totals.
Product: Mortgage

funds were collected for Homeowners insurance but payment was NOT made. 

Where is the money????
Product: Credit card

My Walmart credit card bill was due XXXX XXXX, 2015. This was a Saturday. I paid my bill on XXXX XXXX, 2015 which was a Monday. I was charged a {$35.00} late fee. According to President Obama credit card law, I had till Monday at XXXX to pay this bill, which I did. I called Synchrony Bank ( payments for XXXX credit card ) on XXXX XXXX, 2015 at XXXX and spoke to a customer service rep. He stated he would not reverse this late fee. Asked to speak to a manager and the manager also stated he would not reverse this charge. Stated he did n't have to follow the credit card law.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

The company contacted this place of business on an Emergency contact line with a recorded phone call asking for us to call back. When called back they would not assist in removing the group of numbers they contacted and were told to not contact this business regarding any debt collection. We have received repeated calls from this company with no ability to talk to someone or remove our number from their list when we receive the call, and when called back they said they did not call the given number. The line they called is designated for emergencies inside the building and we treat all calls on that line as an emergency, and should not be getting robocalls from debt collectors.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I notified Coinbase that I thought my PC was hacked. The next day I called them and also filled out an application which described how my PC was NOT hacked and that the Coinbase account was NEVER hacked. 
I requested that my account be reopened. 
Depending on who you speak to they ask you the same bloody questions ... did you fill out the four questions ... XXXX they are trained to mouth sympathy but do absolutely nothing! 
For the past month, the Coinbase representatives and supervisors tell me my account has been prioritized but can never give me a time frame when it will be reopened or even investigated. They also " agree '' that there is NOTHING to investigate!. They constantly send out robo emails thanking me for my patience! They all agree that I submitted the correct information AND my account was never hacked. 
They are completely unaccountable. They will not give you a id/last name. During this time period I've watched my investment decrease from {$9000.00} to maybe {$3000.00} Because I'm locked out of the account!. I encourage you to call these criminals and attempt to make them accountable. I would like the value of my account returned as of XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I noticed fraudulent accounts on my credit report and proceeded the identity theft dispute process by providing all necessary documentation including FTC and police reports. As of XX/XX/XXXX all items in questions were removed from report as they were verified to be fraud. On my credit report for XX/XX/XXXX I noticed a XXXX XXXX credit card that was previously removed was added back to report. I proceeded to dispute again on XX/XX/XXXX and XX/XX/XXXX. I called in the disputes as well and XXXX  and Transunion informed me that there was nothing they could do to help even though they could see that it was previously removed due to fraud. This has caused an indescribable amount of stress and hinderance in allowing me to qualify for credit because of this account dragging my score down over 50 points.
Product: Money transfer, virtual currency, or money service

In XXXX of 2021 my account trading was disabled in Binance.US. They said I had to pay back a charge. I did pay it back. Many tickets and emails have been exchanged and promises to reactivate my account so I can withdraw my finances from my Binance.US account. Still account has not been activated and my finances are still inside my account. Binance.US. Has not activated my account so I can withdraw my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I got a notification that I gotten a hard inquiry for discover financial Ser. I have not applied for a credit card since XX/XX/2022 for XXXX XXXX 
I did put a freeze on my XXXX and XXXX, I have not done XXXX yet ( will be calling tomorrow XX/XX/2022 ) I will also be call social security office tomorrow for extra safety ( XX/XX/2022 )
Product: Credit reporting, credit repair services, or other personal consumer reports

On Transunion, XXXX and XXXX credit reports of XXXX XXXX, and recent credit report of XXXX XXXX XXXX acccount # XXXX derogatory remarks hasn't been removed. 
XXXX is reporting that XX/XX/XXXX, XX/XX/XXXX and other months of XXXX and XXXX Derogatory remarks of XXXX days still on credit reports. 
As Transunion, XXXX and XXXX are stating that it has been removed. 

My XXXX XXXX checking account ending in # XXXX evidence shows that XX/XX/XXXX, XX/XX/XXXX was paid timely as all payments was made by phone calls to XXXX.Please review XXXX XXXX statement. 
Also, XXXX XXXX tradeline account # XXXX hasn't been added to Transunion and XXXX I sent a email to creditor Legal Counsel XXXX XXXX XXXX XXXX XXXX fax. XXXX email : XXXX XXXX XXXX XXXX # XXXX balance is not {$240.00} is at {$170.00} as of XXXX XXXX and a payment of {$150.00} was scheduled on XXXX XXXX with my XXXX XXXX XXXX checking account ending # XXXX to be paid on XXXX XXXX
Product: Debt collection

This company repeatedly calls me and family members. The debt is well over 10 years old. Collection agency hangs up on me when I try to ask for verification dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. 
XXXX, TX XXXX XXXX XXXX XXXX  {$1000.00} Date Opened ; XX/XX/year> This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included these in my previous Complaint & I am including them again. 
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
Product: Checking or savings account

Someone fraudulently hacked my my checking account by stealing my debit card number and using XXXX pay to steal {$500.00} on XX/XX/2021. I immediately contacted my bank and let them know it was fraud even though it was still processing. They cancelled my card and sent me a new one. 10 days later i receive a letter from Bank of America stating my claim is closed and they are not refunding my money. I have NEVER used XXXX  pay before in my life. ALSO bank of america denied another transaction FOR THE SAME THING tagging it as fraud and then let this one go through. I want my money back.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed 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 XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting

I have a case of identity theft listed on my credit report from XXXX totaling {$350.00}. I disputed this information and it was once removed from my credit report and now the reporting agency has added the charge back onto my report causing my credit score to drop drastically. I did speak with someone at the company and they gave me the address to where the services were set up using my identity and I am familiar with the person that lives at the address. I explained this to the credit reporting agency and they advised that they may be able to help me. I think it is unfair for them to a resubmit the collections after it was removed once before by the credit bureau.. Especially since it is not my debt in the first place. 


Thank you, XXXX XXXX