23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to address some discrepancies I have identified on my credit report that pertain to accounts associated with my name. I would like to provide you with accurate details regarding these accounts for your review and resolution.

Account Details : 1. Ca pitol On
e Quick Silver - Date Opened : XX/XX/XXXX - Initial Balance : {$2000.00} - Current Balance : {$2300.00} 2XXXX XXXX  - Date Opened : XX/XX/XXXX - Initial Credit Balance : {$2000.00} - Current Balance : {$1900.00} 3. XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX  - Initial Credit Balance : {$930.00} - Current Balance : {$750.00} I would like to clarify that I have no knowledge or involvement in the opening of the Capitol One Quick Silver account with the stated dates and balances. To the best of my knowledge, this account is not mine, and I have not received any legal documentation pertaining to its opening or existence. 

Similarly, the XXXX and XXXX XXXX XXXX XXXXXXXX accounts are not accounts that I have initiated or been associated with. I do not have any record of entering into agreements with these businesses, and I have not provided any authorization for the opening of these accounts. As such, I have not received any legal documentation confirming my consent or involvement in these matters. 
Considering the aforementioned circumstances, I kindly request the following actions to be taken : 1. A thorough investigation into the authenticity of these accounts, including verification of any supporting documentation that might have been provided during their opening.

2. Removal of these accounts from my credit report, as they do not accurately reflect my financial history and have been opened without my knowledge or consent.

3. Provision of information regarding the steps taken to rectify this matter and the confirmation of the removal of the aforementioned accounts from my credit report.

I understand that this information is preliminary and may require further investigation. I am prepared to provide any additional information or documentation that might be needed to facilitate the resolution of this issue. I appreciate your attention to this matter and your assistance in ensuring the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute from a debt with XXXX XXXX XXXX with all 3 credit bureaus. The problem wasn't resolved my issues I have misleading information been reported to all credit bureaus. I spoke with XXXX at extension # XXXX on XX/XX/ approximately XXXX who advised me that XXXX does not report anything once a loan is closed or payed off which leaves me to believe the credit bureaus are receiving inaccurate information from a third party which violates my rights. I'm also having the same problem with a chapter XXXX bankruptcy on my credit file. It states US bankruptcy court in XXXX is reporting this information which is incorrect and inaccurate. I spoke with agent at bankruptcy court who advised they do not report to any credit bureaus.So, my information is been sold by a third party which is misleading and inaccurate information. Please! Delete from all 3 credit files. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect high balance, not applying my payments correctly, reporting old debt as new, an incorrect account number, an undated late pay, a missing field of [ 81 month account payment history ], the wrong account type, an incorrect credit limit, a late pay after account was closed, an inaccurate date of last activity, an inaccurate date of last update, an inaccurate reporting date ]. There is insufficient information about my mortgage accounts that are affecting my score. I have disputed this error over 6 times with Equifax and XXXX XXXX. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my payment history to reflect Pays As Agrees from XX/XX/XXXX to present on both XXXX XXXX Accounts. I sent 32 pages to reflect proof of my 81 month payment history and credit report to Equifax on both XXXX XXXX Accounts. Equifax and XXXX XXXX refused to correct my payment history. Desired Settlement : Correction to a credit report Desired Outcome Description : Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score with Equifax. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my 81 month payment history to reflect Pays As Agrees from XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to present on both XXXX XXXX Accounts. Additional Complaint Details Date Problem First Occurred : XX/XX/XXXX First Date you complained to the company : XX/XX/XXXX. 
Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late. 
I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my file that Credit Karma have on me and discovered the following : 1. Showing every debt that I may have used within a month not over the limit with the amount and increased balance in red giving a negatice impression.

2. Then the same is appearing for accounts that were closed appearing in red to give a negative impression.

3. Several of the closed accounts in red are not closed they are the same account that's opened but was refinanced.

4. I've lost clise to 100 points on my credit score which has destroyed my creditworthiness.

5. A month or two ago my student loans appeared in red were taken out of XXXX  file but now in Credit Karma file is showing up again in red as interest is added to my deferred loans making my loans appear over the limit.

6. Closed debts are showing both opened and closed.

7. The red writing that appears next to each bill makes my debts look like they are delinquent or write offs and whatever that's negative rating or remarks.
Product: Money transfer, virtual currency, or money service

Hello Im trying to find some legal help, I have a problem with Coinbase, Im trying to get access to my account after changing my phone and forgot about the authenticator app, Im trying to upload my good legal foreigner passport from XXXX and they are no accepting it. My passport is good and expire in a year. They say its not good. 
Thanks
Product: Credit reporting

A collection agency listed on my credit report as XXXX is reporting to my credit AGAIN. It has been previously removed because it was deemed not to be mine. Company could not verify any of my personal information when contacted.
Product: Mortgage

We are " Affected Consumers '' of a Federal Lawsuit involving, Bureau of Consumer Financial Protection v. Nationstar Mortgage LLC, d/b/a Mr. Cooper, case 1:20-cv-03550-JEB , " STIPULATED FINAL JUDGMENT AND ORDER ''. 
Pursuant to the " Orders '' contained, Nationstar was ordered to notify " Affected Consumer, '' and the Administrators assigned to the escrow distribution funds account are to contact us, inform us on the amount of money to be distributed to us and send us a checkfor payment. 
We have now and have had ongoing complaints with the CFPB concering violation against us pertaining to Nationstar Mortgage. A look at my complaint history shows the issues that I have had with Nationstar d/b/a Mr. Cooper. 
Every " Order '' in case 1:20-cv-03550-JEB has directly affected us. I will be contacting Nationstar Administrator and or attorney assigned to this case to find out what happen to our reimbursement as Borrowers affected by the lawsuit concerning Nationstar Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXXXXXX XXXXL Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX 
Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX. 
Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX. 
Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On Friday, XX/XX/XXXX, I visited the Union Bank branch at XXXX XXXX XXXX, XXXX XXXX, CA. I have a HELOC with Union Bank, with a balance of about {$15000.00}. I approached the teller and stated that I wanted to write a check from my XXXX XXXX XXXX checking account for {$2000.00} and apply against my HELOC balance. The teller instructed me to write the check payable to " Union Bank, '' which I did. The teller processed my check and I left the branch. On XX/XX/XXXX, XXXX XXXX XXXX XXXX online banking showed that the check was cashed by Union Bank. However, I did not see that this check had been applied to my HELOC account balance at Union Bank. I called Union Bank on XX/XX/XXXX and after the customer service department contacting the branch manager ( XXXX ), I was told that the Branch Manager was aware of this check and that the {$2000.00} payment would be applied to my HELOC balance " the next morning '' ( morning ofXX/XX/XXXX ). However, this amount was not applied to my balance the morning ofXX/XX/XXXX, so I called Union Bank customer service again. They ( again ) contacted the branch manager ( " XXXX '' ) who told the customer service rep that they were not sure what happened to the funds. They refused to talk to me directly. Meanwhile, I am out {$2000.00}. Thank you.
Product: Mortgage

Wells Fargo had agreed to a special forbearance agreement in XX/XX/2010. We made the required payments as per agreement but then Wells Fargo declined our loan modification. We sold our home in a short sale so they would not foreclose on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, 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 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 any purpose. Payment on said account was never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CREDIT COLLECTION SERVIC Reported : XXXX XXXX, 2024 They tried to collected a debt I never owed and I want this deleted from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX information services, Transunion and XXXX are continuing to report inaccurate information on my credit reports after failing to validate my dispute letters that I sent to all three of the CRA 's about an account which is being reported inaccurately. ( XXXX XXXX XX/XX/XXXX Charge-off ) I spoke with the manager a minute ago at XXXX XXXX in XXXX ( XX/XX/XXXX ) ( XXXX ) about the data that is being furnished by the CRA 's and he mentioned to me that an " AUD '' document to uniformly correct the information on my credit reports was to be made and yet it shows that the reporting is still inaccurate and not what they provided especially with XXXX Information Services .
Product: Debt collection

I have dispute this account and they have not provided proof that I owe said amount or contract from there client show I agreed to pay said amount with my signature, but they have report to my credit report as a finial and only notice they will receive : if they don't provide a written contract with my signature I don't consent for them to get my medical report for that doesn't validate a debt nor does a itemized statement the contract should comply with Oklahoma truth in lending laws which requires a signature on a contract amount disclosed for services finance charges if any amount due. 

I do intent to file in Oklahoma court and sue for {$1000.00} per report that its been place on credit repoert
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I noticed that my credit score dropped significantly by XXXX points. Upon reviewing my credit reports from TransUnion, XXXX, and XXXX, I found several discrepancies that may have caused this issue. Specifically, my report contains an incorrect address, showing " XXXX XXXX XXXXl, XXXX, XXXX, '' instead of my actual address in XXXX, XXXX. Additionally, there are XXXX hard inquiries, including multiple entries from XXXX XXXX and XXXX XXXX XXXX, which I do not recognize and believe to be inaccurate or fraudulent. 

There are also issues with the account information for XXXX XXXX XXXX XXXX, XXXX XXXX ( with duplicate and inconsistent entries for XXXX accounts ), XXXX XXXX, and XXXXDept of ED , all of which show discrepancies in payment history, account status, and balances. 

I have requested an investigation into these matters and asked the credit bureaus to update my records and remove any inaccuracies.
Product: Debt collection

I received a phone call from XXXX XXXX XXXX Consolidation they were attorneys and had filed a lawsuit against me and threatening wage garnishment and that they were contacting my employer regarding a 10 year old debt they stated was from an XXXX XXXX XXXX that I have never received any communication or notices about. I told them to stop calling, emailing or threatening me and they still continued to contact me. I am reporting them and their tactics. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Capital one has reported this 3 times on my credit report for the same card, its paid and closed yet it says 7 late payments. Says paid closed of, with inaccuracy of 7 late payments. Thats not possible. Please by all mean fix that dispute it.
Product: Checking or savings account

Suntrust blocked my card from any type of transaction, locked me out of the app and then closed my account. The account was in good stands, no overdraft. They simply pursue this method because I didnt go to the bank with my id to state my employment situation, of which I told them on the phone that currently I was a stay at home mom. I have this same account for over a decade. I called them today and nobody cant tell me where my money is, I will have to call Monday. It is a disgrace that a bank can wreck my finances like this, I am lucky that I have credit card otherwise I wouldnt have access to any cash until I get, if I get, the cash I had in my account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a charge-off account appearing on my credit report under XXXX XXXX  with account number XXXX ; XXXX XXXX with account number XXXX ; XXXX XXXX XXXX account number XXXX ; After reviewing my report, I have identified several inaccuracies in the reporting of this account, specifically regarding the erroneous reporting of a credit balance on a charged-off account. 

This dispute is being made pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as the current reporting of this account violates several provisions within these laws. Below are the details of my dispute : 1. Reporting of a Credit Balance on a Charge-Off Account The accounts in question is reporting a credit balance even though the account status indicates that it has been charged off. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, furnishers of information must provide accurate information to the credit reporting agencies. Reporting a credit balance on a charged-off account is inherently inaccurate and misleading to potential creditors. A charged-off account should reflect a XXXX balance due to the charge-off status, not a credit balance, as this misrepresents the true nature of the account.

Furthermore, under the FDCPA ( 15 U.S.C. 1692e ), it is illegal for creditors or debt collectors to make false or misleading representations regarding the character, amount, or legal status of a debt. The presence of a credit balance on this account could be interpreted as an attempt to misrepresent the amount owed, which is a direct violation of this statute.

2. Failure to Properly Update Account Status The creditor has failed to accurately update the account status and balance information, which is a breach of their obligations under the FCRA. According to 15 U.S.C. 1681i ( a ), the credit reporting agencies are required to investigate and correct inaccurate information within 30 days of receiving a dispute. This account has not been properly corrected or verified, which raises concerns about compliance with this provision.

Requested Action I request that the inaccurate charge-off reporting be immediately investigated and corrected. Specifically, I request that the following actions be taken : 1. The removal of any erroneous credit balance from the charge-off account.

2. The correction of the account status to accurately reflect a zero balance, if applicable.

3. A thorough investigation into the accuracy of all reported details associated with this account.

Additionally, I am requesting that any unverifiable or inaccurate information be deleted from my credit report, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Please be advised that I will be maintaining a record of this dispute for future reference and potential legal action if compliance is not met. I expect to receive a response within the 30-day time frame mandated by law.

Thank you for your immediate attention to this matter. Please send written confirmation of the results of your investigation and any updates made to my credit report.
Product: Debt collection

I went to XXXX to trade in mine and my children 's old phones that were paid for in full and obtain new phones. Upon the transaction we opted to let XXXX take care of the disposal of the old phones. XXXX said we would receive packages with return labels in the mail and to return the phones when within 30 days of receipt of the return mail package. XXXX mailed the return mail packages to the incorrect address and upon realizing that we never received the packages, I reached out to XXXX to have them mail them to the correct address. They refused. I tried to mail the old, outdated phones that I paid for in full back to them on my own and they would not receive them. I called numerous times to try and rectify the situation and XXXX refused to accept the old phones that I already paid for nor. I closed my account out with XXXX, and they were happy to port the new cell phones and cell numbers over to XXXX. I have been with XXXX ever since for the last 5 years. I do not owe XXXX any money. This needs to be taken off of my credit report as XXXX refused to rectify this situation. If they wanted the old phones back, they should have taken them as I made numerous attempts even after they mailed the return package to the incorrect address. I paid for my service and those phones in full and nothing is owed to XXXX. Please remove this from my credit report. Thank you.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account that does not belong to me on my credit report. Equifax need to follow the fair credit reporting act to report all accurate information this account I am unaware of and does not belong to me. I am requesting an immediate removal as it has affected my credit score that has went down XXXX points. I expect Equifax to remove this account and restore my credit. This is unacceptable and should have not been on my credit file.
Product: Debt collection

Portfolio Recovery Associates, LLC contacted me to say that I owe a debt from XXXX XXXX. through the Merchant XXXX XXXX. The amount is {$2800.00}. I have disputed the validity of the account many times over the phone, and they kept sending me letters that provided no real confirmation of proof that I was the individual that Incurred this debt. I sent them a certified letter and a copy to the FTC ( who forwarded it to your agency ) asking for them to again show proof, along with other requests. I have yet to date received any legitimate proof i.e. ; signatures on receipts where I purchased items, that this debt is mine. I have asked them to stop reporting this as a bad debt on my credit score until the dispute has been resolved and they have, so far, not complied. I would like assistance in understanding how they can claim that I owe something and not provide me with adequate proof of me owing anything. Thank you for your time.
Product: Debt collection

Based on my credit report several account had been opened under my name. I do not know the sum of the amount for each account since they're all charged off and over its limits. Tried to dispute but must companies need a police report so I'm attaching the Police report. I've also received email regarding loans applications and denial letters. So far, I have XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Name used to obtain application was XXXX XXXX, XXXX XXXX from New York, and address XXXX XXXX XXXX  instead of XXXX XXXX XXXX. Also, I have an FTC Report and had placed a Freeze on Credit Files, hence the Freeze will be in force for 7 years. Thank you. 

Also, There is a collection company trying to collect debt not owed. SPRING OAKS CAPITAL LLC. XXXX for {$1000.00}.