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

I am writing to dispute the inclusion of my XXXX  XXXX XXXX account in a bankruptcy filing. After reviewing my credit report, I discovered that my account with XXXX XXXX XXXX is listed as " included in bankruptcy, '' which is inaccurate as I have never filed for bankruptcy. 

Upon discovering this discrepancy, I immediately contacted your customer service department to rectify the situation. However, I have yet to receive a satisfactory resolution. It is imperative that this error be corrected as soon as possible, as it is negatively impacting my credit score and financial standing. 

I can provide documentation proving that I have never filed for bankruptcy,. Additionally, I insist that the status of my account be updated to reflect the accurate information.
Product: Credit reporting

The credit reporting agency corrected the wrong name display as requested in my previous complaint but left both the inquiries, and accounts associated with the wrong name in place. If the name ca n't be verified, then all associated accounts ca n't be verified as well. in addition, they transcribed my accurate name to display backwards as well which again illustrates they are n't investigating anything this is just a exercise in violation of the fair and accurate credit act by an actor determine never to follow it.
Product: Vehicle loan or lease

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Nothing happened with the credit agencies as they have names that Ive never gone by, removed incorrect or wrong payment history as the three agencies have different payment historys of the negative items that Ive asked to fix. Addresses that Ive requested to have removed never was by the credit agencies as Ive lived at my current address of XXXX XXXX XXXX XXXX, FL XXXX since the XXXX XXXX XXXX XXXX which is going on XXXX  years. The other addresses Ive requested many times from the credit agencies to have all of this corrected and removed to include any inquiries because Im not the one requesting them.
Product: Credit card or prepaid card

I have experience MULTIPLE fraud charges on my card in the course of 2 weeks ( XX/XX/2022 ) and TD Bank has been less than helpful in addressing the issue. I NEVER received fraud alerts for the first XXXX fraud charges that were all from the same vendor on 1 day. Then I received another fraud charge 2 weeks later ( on XX/XX/2022 ) from another vendor. As a lifelong customer of TD Bank, their statements about " some transactions will unfortunately not trigger a fraud alert '' is unacceptable. I have to wait almost 30 days for a decision to be made on the first dispute and they are not listening to ME, but contacting the SUPPOSED vendor for confirmation of the charges. 

I expect better treatment as a customer and don't want my credit to be affected - these fraud charges have already cost me close to {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 7 years. This has created several issues for me in the past. I am currently in the process of buying a home I will be in contract in 30 days. my name is XXXX XXXX XXXX please remove any other name from my credit file. I am currently SELF Employed please remove XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX I never work for these companies. 
XXXX, XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX The following phone numbers are not mine please remove :XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

Why am I still receiving emails from the bureaus claiming Im assisting credit repair companies? This is incorrectI send the letters myself. Take action now, or I will pursue legal action. Here is the list of negative accounts and inquiries I want to remove. 

XXXX : XXXX XXXX XXXXXXXX Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : U S DEPT OF EDXXXX ( CONSOLIDATED DIRECT LOANS ) Account Number : XXXX {$31000.00} XX/XX/XXXX U S DEPT OF ED/XXXX ( Original Creditor : CONSOLIDATED DIRECT LOANS ) Account Number : XXXX {$22000.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TransUnion : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/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 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Below are the accounts that need to be removed : XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$360.00} XXXX  XXXX XXXX Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent XXXX and equifax several attempts on my behalf to erase inquiries and and accounts such as XXXXXXXX XXXX and they continue to ignore the fraudulent reporting that I have made. I sent a list of inquiries that I did not recognize or make and I sent them information about my concerns of the wrong doing of XXXXXXXX XXXX to XXXX and equifax asking them to take it off my credit report. XXXX took XXXX off with no problem but equifax and XXXX will not take that corrupt overcharging company off my report.
Product: Mortgage

The situation with Point Equity, is they offer loans with the option to buy back your Equity with a cashout refinance or selling the home. Unfortunately they never explained that the only option I would only have is to sell. Reasons is base on my financial income my debt to loan ratio exceeds what I can get to pay them back. For the past year and 11 months I was unable to get this handled. Due to my income the company do verify, they added that its not there policy to look at the financials of the client. For that reason on the contract I feel it was predatory due the reason I expressed I will not be selling my home in any circumstances. The purpose of the loan was for a new roof and Windows due to high increases of home insurance policies. Point equity have been charging my equity monthly for about XXXX and I have no way on paying them back because I can not qualify for a refinance because I only make XXXX  monthly. The amount in question is 19 % of homes equity on marker value after 3 years it goes up to 69 % the amount I have been trying to pay is XXXX but due not being eligible it has gone up to XXXX in less than 2 years.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION 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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently sent out disputes on XX/XX/XXXX and I have yet to receive a response from Experian, XXXX, XXXX, or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my rental home and my loan was sold to XXXX XXXX on XX/XX/XXXX. I received a mortgage statement in XXXX for 2 months of mortgage payment. That was paid in full in the month ofXX/XX/XXXX. Before that mortgage statement was sent to me, XXXX XXXX placed on my credit report that I was delinquent by 60 days. I have been in touch with them and I do have a customer complaint number : XXXX XXXX. They have as of this date not removed the error from my credit report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX 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: Debt collection

AFFIRM INC XX/XX/2018 {$1000.00} Account Inaccurate and already settled to the Creditor and disputed submitted to the bureau for deletion
Product: Credit reporting or other personal consumer reports

I called several times during the month of XXXX to ask what my options were for assistance or forbearance, as I had the money for the mortgage but it was all in money in my bank account. or evidence of this. please listen to those calls. The mortgage does not report to the bureau until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and spoke with my loss mitigatior representative for 30 minutes, named XXXX XXXX I asked SPECIFICALLY if it reports late to your credit to do a payment plan " workout option '' they called it and she said NO. She then explained how putting down some money would be an accepted option but mv mortage would be extremely high when it is due. which would be 30 davs from then. I agreed that I could save the money up For context my mortgage is {$3000.00}!! So I was agreeing to pay {$3600.00} for the next 6 months but I would have extra time to save it since I was only paying {$400.00} on XX/XX/XXXX. They sent me a list of my payment dates in the mail. and when I went to pay on XX/XX/XXXX, they reported both XXXX and XXXX late to the credit bureau and our credit tanked XXXXXXXX XXXX  and some credit was taken away. You all just tried to ruin our lives to get {$400.00}? I had the XXXX  How is it acceptable to lie to clients paying you this much money. Then I asked for a review of the calls and another supervisor, XXXX, called and simply said " the notes of the call were reviewed and you were advised of credit reporting ''. So it's fully ok to lie to customers at XXXX to close a deal. Let me share with you all the " advised ot credit reporting '' verbatim : " Delinquent loans may be reported to the credit bureau reporting agencies on a regular basis. Your loan may be reported until brought current ''. THAT IS ABUSIVE PREDATORY LEGALEASE. I SPECIFICALLY asked if it would report late before AGREEING to the terms, and you all are now claiming that THIS is the " advised of late reporting ''. Please do the right thing here. XXXX did not at all review my call she simply looked at the notes that XXXX lied on. They rushed me into doing a hardship application and I got it in for XXXX and they took until XXXX to give me the resolution which was a trial period until XXXX to pay a lower rate of {$2600.00} but STILL REPORTING LATE EVERY MONTH THEY TAKE MY MONEY. I am crying while typing this and I am publishing this publicly because if you have XXXX and you get any of them on the phone ASK TO RECORD IT because XXXXXXXX XXXX XXXX  seem really nice but will like to save themselves quick and I do not want another homeowner to go through this.
Product: Credit reporting or other personal consumer reports

Credit reporting agency negative items affecting my day to day life. I cant even get a bank account because of the negative reports done by the agency. 15 USC 1691 and 12 CFR 1002 state no one could be denied credit due to credit score history or income yeah and you know every time I apply, I would like native items on every agency important agency to be removed or blocked Per 605B and 15 USC 1681. I know Experian is being sued and XXXX or XXXX has Cfrb or FDCPA ( or one of those agencies ) down their for some reason Please I would like remedy as soon as yesterday. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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
Product: Money transfer, virtual currency, or money service

Coinbase Case Number : XXXX Account Holder with Coinbase since XX/XX/XXXX Latest customer support phone transaction ID : XXXX XXXX XXXX I am filing this complaint against Coinbase for improperly restricting access to my account funds, resulting in significant financial and personal inconvenience due to Coinbases prolonged delays, lack of communication, and inadequate customer support. I have been a Coinbase customer since XX/XX/XXXX, and until XX/XX/XXXX, I experienced no issues with compliance or account access. 

In XX/XX/XXXX, Coinbase allegedly sent an email regarding a compliance review, requesting my response to restore full access to my account. I did not receive or respond to this email, possibly due to thinking it was spam. When I attempted a transaction in XX/XX/XXXX, I discovered my account was restricted and flagged for manual review. Since then, I have encountered multiple issues as follows : XXXX. Repeated Customer Support Failures : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I contacted Coinbase support via phone, requesting assistance to resolve the restriction and receive the compliance email. Despite multiple assurances that I would receive the compliance email within the next week, I have not received the promised email, and my case has even been accidentally closed and reopened, showcasing their lack of care. Support representatives have been unable to provide a means to escalate my case effectively. I should note that a monthly fee of {$30.00} a month is required in order to have access to 24/7 phone support. It seems like they just want to verify my identity with that email, but every time I contact them by phone, they have me confirm my name and date of birth, which is already confirming who I am.

2. Conflicting or Misleading Account Information : My Coinbase app and website account display a message instructing me to Check your email for next steps, yet no option exists to resend the email. Additionally, an option to verify identity on the website redirects to an unrelated account settings page, creating further confusion and blocking any means of resolving the restriction.

3. Financial Impact Due to Prolonged Restriction : The account restriction has prevented me from making transactions during several market opportunities, limiting my ability to invest or withdraw funds as intended.

Coinbases failure to provide timely and effective support has severely impacted my right to access and manage my account funds. Despite multiple attempts to follow Coinbases instructions to wait for the email, I have been met with delays, miscommunication, and inadequate guidance. They have not provided a reason for any of the delays and they always say they are escalating the case, but nothing ever happens. I have been left in the dark by them and have thousands of dollars that are essentially wrongfully frozen.
Product: Credit reporting or other personal consumer reports

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICED A FRAUDULENT INQUIRY THAT DO NOT BELONG TO ME FROM XXXX XXXX I WOULD LIKE IT REMOVE BECAUSE I DID NOT APPLY FOR ANYTHING IN MY NAME. 



In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments 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 an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act ( Original Creditor : XXXXXXXX XXXX ) XXXX and XXXX XXXX have violated my rights. 

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 an account without my written instructions.
Product: Credit reporting

In XXXX of XXXX I reviewed my credit reports from both Equifax and XXXX. I noticed that both my primary mortgage with XXXX and XXXX mortgage with XXXX XXXX were incorrectly being reported as part of my Chapter XXXX Bankruptcy. Prior to the confirmation of my Chapter XXXX case the home was sold in XXXX of XXXX and both mortgages were paid in full. Both of these accounts were ordered expunged from my Chapter XXXX case in XXXX of XXXX because they were not included in my bankruptcy. In XXXX of XXXX I opened disputes with both Equifax and XXXX. XXXX corrected their records after investigating and they now correctly report the mortgage as not included in the Chapter XXXX Bankruptcy. XXXX XXXX replied that they are reporting it correctly as included in my Chapter XXXX Bankruptcy based on their records. Copies of the Federal Bankruptcy judge 's order, the mortgage satisfaction document from XXXX XXXX, the XXXX XXXX mortgage marked PAID IN FULL have been included with each investigation in XXXX of XXXX and also separately to XXXX XXXX on XXXX XXXX, XXXX. I also included my current Chapter XXXX Trustee report showing the XXXX XXXX mortgage as expunged and provided my Chapter XXXX Case File number so that XXXX XXXX can verify the data themselves as a creditor at XXXX the Chapter XXXX Bankruptcy National Data Center. Despite receiving multiple copies of the Federal Bankruptcy court order and supporting documentary proof, as of XXXX XXXX, XXXX XXXX XXXX insists they are reporting the account correctly as being part of a Chapter XXXX Wage Earners Plan even though it has a {$0.00} balance, was paid in full and ordered not to be part of the Chapter XXXX Bankruptcy by a federal judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against Experian and their failure to remove an unauthorized account from my Experian Report which is costing me XXXX  of interest every year along with false account hurting my ability to obtain employment, health insurance, Mortgage & Credit Opportunity. My family and I are experiencing difficult financial hardships at this time due to COVID and these false accounts have been affecting me tremendously Account : XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX I am the original Creditor. these Accounts is in direct violation of 15 USC 1681 *ATTACHED DOCUMENT - XXXX card -letter of consistent rejection from companies for this direct violation of my consumer report " CHARGE-OFF ''
Product: Debt collection

The card DISCOVER BANK filed a claim on me inXXXX,. I went to court it was discharged because. I didnot have income. On XX/XX/11 XXXX. Discover card filed a claim again this debt i XXXX XXXX XXXX. The letter states CONTINUING WRIT OF GANSHMENT AGAINST SALARY OR WAGES The case Company # is XXXX XXXX XXXX XXXX. XXXX/ Ky Toll # is XXXX XXXX. I stared receiving robot calls from # in that area in XXXX every day. XXXX