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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 

XXXX XXXX, XXXX XXXX
Product: Debt collection

I have disputed this deb on several occassions with this company. In my requests I have asked the company to provide me with specific information pertaining to the debt they say I owe as well as provide me with information giving them authority to collect this debt and report it negatively on my credit report. This company has not fulfilled my request, yet they still are reporting negative information on my credit report. I have advised XXXX that they are in violation of my rights in writing on several occasions yet they still report negatively on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. These accounts are part of fraud and should be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Student loan

My student loan used to be serviced by ACS which became or was transferred to Conduent. When I try to log in their site to check my loan balance & related information, I get a response saying Conduent is not the servicer for my loan. I don't know who services my loan now ; the monthly payment is being automatically drawn from my account because this is how I had it set up with ACS, where are the payments going?
Product: Money transfer, virtual currency, or money service

I have coinbase and I bought bitcoin and then sold my bitcoin and now I have USD in my coinbase wallet but they wo n't let me transfer it to my bank account. 

I have emailed them and continue to try to " verify '' my bank account ( which I already verified and which was already used to even withdraw funds into my coinbase account ) The process is insane but I already went through it. 
So I started it again which was prompted when I went to withdraw my USD into my bank and they said they would withdraw 2 amounts into my account and that I need to tell them the amounts in order to verify my account. I got the amounts in my bank account and when to verify - the amounts were over {$1.00} and they only had an option to put in cents, no dollar. So I put in the cents portion and they said they did n't match. OF course they did n't - coinbase did n't allow me to put in the dollar amount, just cents. 
I did the process AGAIN, same issues. Coinbase does n't ever respond to any of my emails. They are awful. 

This is a SCAM.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXXrd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$81.00} XXXX  XXXX XXXX Balance : {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband I applied for credit card and the credit card company denied because too many inquiries according to Transunion credit company. We had contacted Transunion to find out and were told that due to too many hard inquires and they also informed us how to resolve the problems. 

We were told to contact the companies to request " Deletion of Inquires '' and need to submit to them and then they will delete the those hard inquiries. The most of inquiries from mortgage companies because we were trying to find the lowest mortgage rate to buy a house. Transunion understood we were searching for lowest mortgage rate but they can't delete the mortgage companies from the hard inquires list based on what we told them. According to Transunion, they have to receive the deletion of inquiries form from the companies We have contacted the mortgage companies and are told that they never heard of deletion of inquires and its legitimate inquires by any mortgage companies to check their clients ' credit history. 

We are caught between two companies and neither of them would not do anything to help us. I don't understand why the Transnion raise red flag to their customers when they are searching for lowest mortgage rate? 

All the companies told us they can't send us the deletion of inquires verbally when we contacted them. 

We would appreciate if you can convey our frustrations to the Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXX, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I made the decision to use my rights under FCRA, it was with the intent of fighting any inaccurate or incomplete information in my credit report. By doing so, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner that is compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness.This is just an allegation. There is no proof that I am delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims. It is important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as XXXX XXXX standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account.It 's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report.Please confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you XXXX days to investigate.
Product: Credit card or prepaid card

I received a credit alert from my bank stating that there were 3 credit cards opened in my name on XX/XX/22 and XX/XX/22. These were all fraudulent. I spoke to all 3 companies and had them cancel the applications. 

XXXX XXXX XXXX- opened XX/XX/22 XXXX XXXX XXXX. - XX/XX/22 JPMCB CARD Services- XX/XX/22 I also noticed that a credit card from XXXX has also been opened on XX/XX/22 which is also fraudulent. I wanted to report this.
Product: Credit card

I was going online to paid my credit card bill of Walmart number # XXXX but they service was not operated online, I had call the credit card to make a payment by phone today but post date for XX/XX/2015, I was told by customer service representative from Synchrony Bank that I was going to be charge a late fee of {$35.00} because it was past due and I reply to her is not pass due. Can you please process the payment of {$98.00} on XX/XX/2015, She process the payment with no problem, she gave me the confirmation # XXXX, This is not the first time I been charge for late fee of {$35.00} for the month of XX/XX/2015. 
What gimmick or scam they are running in the credit card department, I 'm requesting investigation on this matter or issue ASAP, This is hardship for me at this present time or moment, I am not happy as a customer of Walmart/Synchrony Bank XXXX XXXX XXXX XXXX, GA XXXX, telephone XXXX. 
I feel and believe they should n't be a cut of time making a payment online or by phone. 
This unfair for the customer, including my self.
Product: Debt collection

The vehicle a XXXX XXXX XXXXXXXX was in a total loss accident and paid off through the insurance company. However, XXXX is still reporting this as a charge-off and is reporting it every month hindering me from getting another car loan.
Product: Checking or savings account

I opened a XXXX  Banking checking package with Citibank online on XX/XX/XXXX. The opening deposit of {$100.00} was funded through an ACH transfer from my checking account with XXXX XXXX. I then initiated a transfer of {$49000.00} from XXXX XXXX  through ACH on XX/XX/XXXX. The funds were deposited into my Citibank checking account on XX/XX/XXXX. The balance at that time was {$50000.00} I then received an email on XX/XX/XXXX saying my Citibank checking account will automatically close in 60 days. The final statement for the account was generated for the period XX/XX/XXXX to XX/XX/XXXX where it showed a withdrawal of {$50000.00} on XX/XX/XXXX. I was hoping to receive a check for the balance ( as was also stated in the email of XX/XX/XXXX ), but I haven't received any check yet. 

I called Citi and they said they can not send a check, but the funds were sent to the " ledger '' and asked me to initiate a claim from the funding bank ( XXXX XXXX and XXXX XXXX  ). I tried filing an ACH claim from XXXX XXXX, which was denied saying that the fund transfer was initiated from Citi. 

There is no Citibank branch in my state and I am not able to find anyone to help me get my funds back.
Product: Debt collection

This is not authorized I never signed an arbitration agreement with your company and I never authorized anyone to do anything with my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, XXXX I became legally XXXX according to Social Security XXXX. I contacted XXXX when the final decision was made at XXXX in XX/XX/XXXX and in XX/XX/XXXX, XXXX approved a Discharge due to XXXX on my student loans from XXXX and XXXX XXXX XXXX, both XXXX and XXXX agreed to the discharge. 

In XXXX XXXX XXXX also discharged my private student loan through XXXX. 

I pulled my credit report from XXXX  and XXXX in XXXX and XXXX is listed with three discharged loans, the two federal school loans from XXXX and XXXX XXXX XXXX and private school loan from XXXX. 

My credit report in XXXX also showed XXXX and XXXX paid. But XXXX XXXX XXXX status is listed as Open as Unknown. I called XXXX XXXX XXXX and their customer service states, " Yes, the loans show here as paid. The discrepancy will clear up next month, because there is a backlog in reporting and updating status information. '' I called again last week and XXXX XXXX XXXX repeated the same and said they were not obligated to clear it up now. I complained to XXXX, XXXX and Equifax and they say I have to get XXXX XXXX XXXX to clear it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my LexisNexis consumer report, I noticed very old information about apartments I've lived at, old addresses from when I was a child, old homes I no longer own and haven't lived at in decades, and I was unable to get any assistance from their representative in getting these items removed. If my credit report can not contain data from before 10 years ago, I don't see why LexisNexis data can contain a lifetime of information about me, especially since some of this is when I was a child and had no consumer data. If they are also bound by the Fair Credit Reporting Act, then I don't understand why old, stale, and inaccurate data can not be removed. 

I ended up freezing my report, which really isn't ideal, but they left me with no choice. The report was 140 pages of data and the majority of it was stale data.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXXXXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

On Wednesday XX/XX/2023, I called Concord and asked for payoff information and where to wire funds. I received an email with instructions on how to wire the payoff on the same day. at XXXX. On XXXX XXXX the amount of XXXX was wired to Concord. On XX/XX/2023 XXXX was wired to Concord to complete the payoff of my loan. The wired funds have been confirmed that Concord has received these funds. I called every day thereafter the see if they have received funds. They kept telling me they have not received funds. I called one time and ask could i talk to someone about wire transfer. I was told that department does not have a phone and the only way i could communicate was with an email. I sent an email on XX/XX/XXXX with the information of wire tranfer. They responded they need more information. I sent the copy with all routing and account numbers of where it came from and where it went to. XX/XX/2023 I received an email from concord ee resolutions Team stating they have not found two payments. they are still working to locate the wires and as soon as they know more they will let me know. I am very frustrated. It does not take almost 3 weeks to confirm a payment. That is a large amount of money that has been missing for 3 weeks. I just want my loan paid off and do not have anymore daily interest. It should be paid off the date it was sent. I do not want to continue paying monthly payments so my credit will not be affected. Please help me. All numbers matched from the email that was sent to me. I can not figure out to send you the email sent to me but if necessary i can send to you with direct wire instructions from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Tenant  from XXXX XXXX XXXX to XX/XX/XXXX at XXXX XXXX at XXXXXXXX XXXX XXXXXXXX in XXXX XXXX. 

Never was late on rent, paid everything on time and gave a 30 day notice to vacate. 

6 months AFTER vacating, having moved to XXXX  with my brother ( my brothers contact info was listed on my application ), XXXX of XXXX XXXX XXXX leaves message on my brothers answering machine I owe money for damages. 

XXXX of XXXX XXXX  has also fraudulently kept my entire deposit. 

XXXX of XXXX XXXX  has fradulently reported these fraudulent charges which are not mine to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX damaging my credit due to an account that and fraudulent charges that is not mine. 

XXXX of XXXX never informed me of any damages the first 30 days for I made none minus some cleaning costs incurred. 

I never ever received any mail regarding these so called damages within 5- 6 months of me moving back to XXXX  at my brothers house . Never heard nothing.

1- I am contesting all fraudulent charges. No damages of my doing were done under my tenancy nor was I notified within 14-60 days and not until aprox 5- 6 months later of damages not mine, nor my account. 

2- Landlord has a duty to notify me 2 weeks to 30 days upon move out regarding deductions of deposit and any all damages under my tenancy. That did not happen.

3- Account of damages does not belong to me.

4-This is continued harassment and fraud months after vacating XXXX XXXX, with XXXX knowing I was moving back to XXXX. 

5- XXXX harassed me during tenancy putting holes above and around my toilet, shower and above my bed I was forced to cover for my privacy. 

Please remove all fraudulent charges and negative info off my credit reports 3 bureaus report immediatley. 

This matter was removed off my credit and XXXX/XXXX  placed it back on there after I attemped to contest this matter prior. 


deduct fair charges for cleaning and other charges that may apply by code and reimburse me the rest to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX lastly remove all and any negative marks on all 3 credit bureaus at once and not to fraudulently add these fraudulent charges back on my credit report for the 3 third time, since he has done that previously twice already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint due to incomplete and inaccurate credit reporting from XXXX since being switched from XXXX XXXX XXXX XXXX XXXX On my account : XXXX I paid {$640.00} balance off on XXXX XXXX XXXX back on XX/XX/23. I was told this would be reported to TransunionXXXX  within 30 days from a customer service rep and it has not been reported. Now I see a credit reporting error that incorrectly shows consolidation of balances on XXXX XXXX and XXXX-which is not reflected on my XXXX account-balances are still separate. This is showing reported to agencies now and shows as an increased balance ( even though no change in balance for XXXX XXXX XXXX XXXX XXXX ) and has lowered my credit score significantly yet. On XXXX website these are still separate $ XXXX balances. I am closing on a new house within the month and need these issues corrected immediately or I am filing a complaint. I never had incorrect reporting with XXXX XXXX. Please advise to remedy this situation.
Product: Debt collection

I am a federally protected consumer and found that I was injured due to multiple fdcpa violations causing anxiety and the inability to sleep due to this alleged debt they contacted me after receiving a cease and desist and have not responded to my affidavit of truth or my default & opportunity to cure letter Allegations in affidavit in support of motion must be considered as true in absense of counter-affidavit. [ Group v Finletter, 108 F. Supp 327 Federal case of Group v Finletter, 108 F. SUPP. 327 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # 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: Mortgage

In XX/XX/XXXX, I was informed by Lakeview loan company that I had not been making payments which was incorrect. I informed them that I had been making payments and had bank documentation to show where I made the payment, and they sent it back to my account as a refunds taking i had no account with them. I sent in all documentation and created a case. The response I received from lakeview was to make payments payable to lakeview loan, which we had been doing. I attempted again to make a payment in XX/XX/XXXX. The payment was rejected stating no account can be found. I have attempted to make several phone calls to the company and could never get through to anyone. I have attempted to email the company again in regards of my account. The companies response was I'm behind on payments and need to correct the issue. I Continued to try to make payments and they were getting rejected saying account not found. My last accepted payment was XXXX of XXXX. XX/XX/XXXX through XX/XX/XXXX I was not able to make payments due to being out of work. I again contacted lakeview loan on XX/XX/XXXX attempting to correct the account issue. I am now being told my loan is in the process of foreclosure and that I would need to make 15 payments out of 16 to stop the process. I tried to explain the matter to them that I had brought up this issue a year ago I asked if there was a payment method we can try to work out, or anything to correct the issue. They were not willing to work with me