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

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Investigation of Inaccurate Credit Reporting Dear CFPB Representative, I am writing to formally request your assistance regarding an issue I have encountered with my credit report, specifically concerning inaccurate information reported by Experian and XXXX. 

I have recently reviewed my credit reports from both agencies and found that they are reporting a negative account which a XXXX  XXXX account. XXXX that is not only incorrect but also misleading. The account in question is, XXXX which has been marked as negative despite being closed and having always been in good standing. 

This erroneous reporting has negatively impacted my credit score and my ability to secure credit. I have taken steps to resolve this matter directly with Experian and XXXX ; however, my requests for corrections have not been addressed satisfactorily. 

I kindly request that the CFPB investigate this matter and compel both Experian and XXXX to remove this inaccurate account from my credit report. I believe this will not only rectify my credit history but also uphold the standards of fair credit reporting. 

Thank you for your attention to this urgent matter. I appreciate your assistance in ensuring that my credit report accurately reflects my financial history. 

Sincerely, [ XXXX XXXX XXXX
Product: Debt collection

Phoenix Financial Serv has placed an account on my credit report showing opening date of XX/XX/2018. Never heard of this company nor have I received any written notice in mail to dispute which is a requirement per law. Now that it is tax time, it has magically appeared on my credit without any notice violating my rights as a consumer. I have researched this company and there is NO valid license to this company nor bonded in the state of TN, which is also a requirement to collect on a debt in state of Tennessee. Furthermore, they have not sent me anything in mail as the Fair Debt Collection Practices Act requires within the 5 day time frame notifying me that this account was placed on my credit reports. It has been 15 days since this account was placed on my credit files and nothing in mail but the credit agency is showing reported XX/XX/XXXX, so over 2 mths. I would like this removed from my file once and cease and desist also. I will contact the Attorney General as well Federal Trade Commission in regards to this unethical practice, I have already sent this information to state of Tennessee for illegal collection activity in the state.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX After contacting Transunion and XXXX, the response I received from Transunion dated XX/XX/XXXX is reporting this account as a charge off as far back as XX/XX/XXXX then in XXXX reports as 30 days late 3 times, then reports as paid on time 3 times, then in XXXX 60 days late 6 times then 30 days late 4 times, and paid on time 2 times in XXXX. How can this be accurate if this account is reporting as a charge off as far back as XXXX? I have tried to resolve this issue and no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX in Colorado. Balance written off in the amount of {$9200.00}. In XX/XX/XXXX, XXXX XXXX XXXX  XXXX received {$3200.00} from XXXX XXXX for a hail damage claim for said vehicle, which should have left a balance owed of {$6000.00}. The vehicle was a XXXX XXXX XXXX and worth approximately {$6000.00}. I spoke to an agent for XXXX XXXX XXXX XXXX in XX/XX/XXXX who informed me about the sale of the vehicle. XXXX  XXXX gave away the vehicle at a dealer 's auction for only {$800.00} in approximately XXXX or XX/XX/XXXX, and is claiming a deficiency of {$7100.00}. In XX/XX/XXXX, XXXX XXXX was willing to accept {$1500.00} as settlement of the " deficiency '' with payments of {$25.00} per month at that time, but I questioned the unreasonably low sale of the vehicle at that time. The sale of the vehicle was not commercially reasonable. On XX/XX/XXXX, via certified mail, I requested proof that the notices required under UCC 9.506, 9-611, 9-612 and 9-613 were properly and timely given. XXXX XXXX received and signed for my certified letter on XX/XX/XXXX, and had 15 days to respond. XXXX XXXX did not respond. XXXX  XXXX XXXX XXXX can not claim a deficiency unless all notices were properly and timely given and all allowable redemption and cure time limits were adhered to. I then wrote to XXXX, XXXX  and TransUnion on XX/XX/XXXX, via certified mail. I requested that I be provided the name of anyone with whom they spoke at XXXX XXXX XXXX XXXX during any investigation into the above matter. XXXX  has responded with generic information about the dispute being " complete '' and only reaffirmed the same information being reported by XXXX XXXX XXXX XXXX. XXXX XXXX has reported for 48 months ( since XXXX ) that the account was charged off claiming a balance of {$7100.00}. If XXXX XXXX did not realize they gave away the collateral on their own loan at that time when settlement was offered at {$1500.00} in XX/XX/XXXX, then why make the offer? However, XXXX XXXX has continued to verify the amount due of {$7100.00} which can not be substantiated. No notices were given to me. The sale of the vehicle was not commercially reasonable. I am requesting the account be completely removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/21 Capital One closed my account with no notice. This account was current, revolving, and payment in full had been mailed. As a response to the negative furnishing to my consumer report due to this closing, I sent an Affidavit of Truth documenting the federally protected consumer violations that Capital One has harmed me by doing, via 15 USC chapter 41 and a cease and desist to regarding further damage to my reputation via certified mail. On XX/XX/21 I requested my privacy data and had to call in because the link on their website, conveniently, wasn't working. I called in to request copy of my privacy data and was sent an empty folder a few days later. On XX/XX/21 I called back in to inquire why the link was not working and was given the run around for almost 2 hours, as they transferred me to different departments, saying there was no data listed for me. Though there is " no data '' on my account, it is still negatively reporting to the bureaus, harming my livelihood, and my confidence of " good faith '' in the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite XXXX  written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I am interested in processing disputes on my credit report to delete all inaccurate information that needs to be deleted with Equifax. please review an remove all listed items that has caused an error on my file. my credit report is damaged with invalid information I am depending on the credit bureaus to review an delete all listed inaccurate data asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX 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: Checking or savings account

A claim ( XXXX ) I filed back on Sunday XX/XX/year> I filed a claim and I never heard back from Wells Fargo. The representative recommended I replace my card which was an inconvenience. I asked multiple times about the claim I was overcharged {$1800.00} at a restaurant XXXX located XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I contacted Wells Fargo and did nothing about the fraudulent activity on my account. I went into a branch and no one was helpful as well. I never heard back from the claim I would like my funds returned to my account due to unfair business practice from this financial institution.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX  XXXX XX/XX/XXXX. 
XXXX  XXXX XX/XX/XXXX. 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed fraudulent account listed. These account are negatively impacting my ability to obtain credits. Please remove them from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It may Concern. 

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE All information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C ( 1681 ), every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

The Following derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately the infractions are as follows ; Alleging Creditor and Account as is reported as having a late payment my credit report : Creditor : XXXX XXXX Account Number : XXXX I demanding that this account be update to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you be certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX DEPTEDXXXX  ( XXXX ) - ( XXXX ) XXXX DEPTEDXXXX XXXX XXXX ) - ( XXXX ) XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC 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
Product: Checking or savings account

At the direction of my attorney, I tried to close my bank account ( checking XXXX ) on XX/XX/year> at the Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX. I met with three different employees one of which was the branch manager XXXX XXXX XXXX XXXX XXXX refused to close my account even though I brought in my notice of bankruptcy with the US Bankruptcy Court. XXXX XXXX mentioned that I should bring in an order but reiterated that even with the order he would not close my bank account at my request When I asked my attorney about the order his response was No, there is no " order '' that applies to them. via an email
Product: Debt collection

This company is reporting a collection on my credit report for XXXX XXXX ( now XXXX XXXX ). I have never had an account with them. This debt is not mine. I contacted this collection agency on XXXX different requesting debt validation and they have responded to none of them. I have also disputed the account with the credit bureaus, to no avail. The account number is XXXX.
Product: Money transfer, virtual currency, or money service

My problem involves Coinbase ( who runs a crypto-currency exchange licensed under various state laws ). I am a New York resident. 

Since XX/XX/XXXX, I have lost access to my Coinbase ( https : //www.coinbase.comXXXX ) account and am unable to ( i ) withdraw my US dollar funds held by the company, and ( ii ) access the XXXX form prepared by Coinbase for my tax preparation. 

After numerous phone calls and providing the company with the various documentation that they requested, the call center representatives of the company refuse to take any meaningful action or give me an estimated timeframe regarding the resolution of the issue, beside saying that a specialist will handle my case, but they have large backlogs.

The problem was initially caused by the fact that my old mobile phone has been broken and I had lost access to my Multi Factor Authentication app. I was using 2 factor authentication via the XXXX XXXX app. 

The issue is simply a matter of identity verification. I have previously provided the requested ID documents, bank statements, utility bills, demonstrating my identity and address. Likewise, I continue to use the same mobile number and email.
Product: Debt collection

A collection company XXXX is reporting XXXX accounts under collection that are zombie debts. XXXX created a reporting date of XXXX 2015 that is well past the statue of limitations for the collection of the XXXX debts. Additionally those XXXX debts were settled with the original lender through XXXX XXXX who your agency sued. I have sent certified mailing to all XXXX bureaus and the collection company demanding they remove collection from reporting, and to cease and exist.
Product: Debt collection

On XX/XX/2021 I a arbitrator that had formerly worked with XXXX  XXXX XXXX presided over a hearing between myself and a law firm that is trying to collect debt that i owed to XXXX  XXXX XXXX. The arbitrator agreed to be neutral in his renderings. I did not have a lawyer and the law firm was granted the award on the time barred debt. The law firm is threatening to add a second judgment to my credit report.
Product: Checking or savings account

I have had a capital one 360 online savings account since XXXX. This account is a higher interest online savings account. This is money I have set aside for my aging parents. The goal was to have a higher rate than I would in my brick and mortar bank and the money be safe if needed for emergencies. 

I recently logged in to move money into my parents account and noticed surprisingly small interest payments given what I know about current rates in XXXX. I called capital one and they said 2 years ago they created a new product called XXXX performance. I asked them why they needed to create a new product and what was the difference. Speaking with two people they explained that it has a different name, different interest rates and that a debit card for new product is not available. So basically the same. 

So for 2 years my interest rate has been 0.3 % in my different in name only 360 account, while the current rate in the 360 performance account is 4.25 %. I looked through my emails and did not see anything letting me know. I asked them about this and they said they have commercials and marketing. One person I spoke to said she would alert captial one of this issue. They obviously have known as in XXXX I found a financial blogger who contacted them regarding this and also made a complaint to cfpb. So it's an overtly deceiving practice aimed to allow people to remain ignorant of the new product. This has cost my parents over XXXX in extra interest income. How many thousands of people are still parking their money while it looses value and capital one gets the benefit of those funds in their bank. It's despicable and I suspect illegal at the least unethical.
Product: Credit card or prepaid card

I was notified buy XXXX that a credit card application was opened without my knowledge. I waited for 45 minutes and transferred three times to have this issued resolved. The account was found to be opened, yet the bank refused to close it immediately. As I am going through restoring my identity theft, I find it imperative to resolve these open accounts immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX completed a hard inquiry on my credit report in XXXX of XXXX. I applied for a credit card from them in XXXX of XXXX but had not since been in contact with the company, nor was I a customer. I did not request any information in XXXX of XXXX that would have arose in this hard inquiry. When I called, the company said they had no record of pulling my credit and told me to contact TransUnion, which I did to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX has violated my rights 15 U.S.C1681 section 602A states I have the right to privacy 15 U.S.C 1681 A section 2 It also states a consumer reporting agency can not furnish a account without written instructions
Product: Mortgage

Homeward Residential was my original mortgage servicer but later it changed to Ocwen. Loan My mortgage was paid off in 2013 ( I have attached copies of the letter I received at that time ). Recently I applied for a home equity loan at my bank and was told that I still had a mortgage showing for something like {$69000.00}. I showed the loan officer at the bank the paperwork I had showing this was paid. The loan officer told me that the Satisfaction of the lien paperwork for my mortgage was never sent to the city for recording. This was approximately 3 weeks ago. I called Ocwen and explained  my situation. The person I spoke with ( I did not get their name ) agreed that the loan was paid and said they would send something to the bank verifying this information. This was on a Monday. I thought everything was being processed so my loan should go through now, however that week on Wednesday the loan officer called me again asked me to come in so we could have a conference call with Ocwen and she would tell them exactly what she needed as far as paperwork is concerned because the paperwork that was faxed to her was not signed by anyone at Ocwen ( copy also enclosed ). I went to the bank that Friday and with the loan officer we called Ocwen and explained the situation again. The person I spoke with did not seem to understand what I was saying because they kept asking me if I wanted to make a payment so eventually I asked for a supervisor. The man I spoke with ( I did get this ones name but don't have it in front of meXXXX something ) stated he needed 48 business hours to research the matter. The bank told me she would probably know something by the following Wednesday morning. I did not hear from her but on that Friday Ocwen called and said they needed another 5-7 business days to research the matter. It has been about 3 business days and I am still in limbo. This is really interfering with my plans. The bank initially offered me a {$260000.00} home equity loan but because they can not see that my mortgage is paid they have dropped that sum to {$95000.00}, despite me having excellent credit. I told Ocwen this was a time-sensitive situation but can not seem to get cooperation. I am aggravated with talking to a different person every time and this not filing of paperwork should be illegal. The satisfaction paperwork should have been filed with the appropriate agencies 6 years ago and due to negligence somewhere along the line I am not able to get the credit I need and deserve. God forbid I was incapacitated and someone taking care of my estate had to deal with this nonsense, they might have taken my home or money that is not owed to them. What would happen if I tried to sell my home?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, Despite the fact I have mailed letter showing my balance and the company I have credit with has notified them they continue to report the incorrect information XXXX XXXX MY BALANCE IS {$180.00} Transunion as repeatedly reported {$310.00} I am so stressed out and if not resolved will get a lawyer these people should not be allowed to control the XXXX XXXX XXXX credit in there hands. The government needs to shut it done You fix one thing and they add something else, its like a radar they try to keep ppl in poverty when they see you improving. 

My original bal XXXX payments monthly XXXX dollars Transunion show 16 payments how could they even think the balance they show on report is correct. 

My balance is XXXX
Product: Debt collection

I was notified by a company regarding an alleged debt. I have reason to believe I do not owe this debt because I didnt give written permission to have these accounts furnished on my report.