23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a mortgage loan that was owned and serviced by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NC XXXX. The last amount reported on my bureau was {$140000.00}. This loan was paid in full at the end of XX/XX/XXXX. Repeated requests have been made to properly report this as paid in full. Their deliberate disregard to properly report the balance and pay history has caused my personal credit score to be lower than it should be. This has recently cost me a higher interest rate on my auto loan. This loan is reporting as open on all three of my bureaus and has kept my scores low on all XXXX. Seterus has a regulatory required to properly report this information on a timely basis. The months of XXXX, XXXX, XXXX and XXXX have now passed and they still refuse to properly report. They have a history of non compliance and reckless servicing on my loan as well as others. I am seeking damages from them for the purposeful disregard for my rights under the Fair Credit Reporting Act. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX. My SSN is XXXX. DOB XX/XX/XXXX. My
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was place an on my credit report without my consent. 
According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have check my XXXX and XXXX  credit reports and two accounts (XXXX XXXX and Barclays Bank) that I have paid off on XX/XX/2019 still showing a balance.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report maintained by your bureau. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I request an investigation into the following item ( s ) : Account Information : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Description of Inaccuracy : I dont owe XXXX XXXX XXXX XXXXXXXX no money , I never had their service. 
Explanation of Dispute : Fraudulent activity discovered on my account.Somebody used my information to get auto insurance. 
Request for Correction : I request that the inaccurate information be promptly corrected or deleted from my credit report, as it is affecting my ability to obtain credit on fair terms. Enclosed are copies of relevant documents supporting my dispute, including [ list any supporting documents such as billing statements, correspondence, etc. ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested I vestigation 3 times already ; see below my most recent : XXXX XXXX XXXX and XXXX XXXX XXXX. 
We need all accounts Verified that are listed on your companies reporting! 
Fair Crediting Reporting Act 609 ( a ) ( 1 ) ( A ) as you are required by law to verify. Through physical verification of the ORIGINAL signed contract. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -U.S. Bankruptcy Court XXXX XXXX  Otherwise anyone could send in a fraudulent claim or report especially if paying for your services. 
Your negative reports without verifying has hurt me and my ability to obtain credit. 
FCRA states unverified accounts must be removed. 
I have asked three ( 3 ) times, now I demand verification in the next 72hrs or I shall report your company. Date XX/XX/2023 ; you have til midnight XX/XX/2023. Without recourse. By : XXXX XXXX, beneficiary and by : XXXX XXXX, beneficiary
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with my XXXX XXXX credit card issued by XXXX XXXX. It is being reported on my credit that I'm 30 days overdue and this was reported on XXXX XX/XX/2022 but 30 days overdue would have beeXXXX XXXX  XXXX on XXXX XX/XX/2022. I learned that my automatic payment didn't process due to an IT error which I promptly made the payment via XXXX XXXX payment system. The following is the message I received upon making the payment : You recently submitted a payment The following payment will be effective as of XX/XX/2022 : To account XXXX XXXX XXXX From account XXXX XXXX XXXX XXXX XXXXXXXX Payment amount {$500.00} Additionally, the payment reported as delinquent on my credit report is {$500.00}, which wouldn't be the case if I '' m only 30-days past due. This is another red flag that something is wrong with XXXX XXXX credit reporting schema and it should be investigated immediately. I've worked hard to maintain my credit and it appears that XXXX XXXX has a motivation to make customer accounts delinquent and report false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously filed a complaint XXXX. I feel that the employees are demonstrating a " mean girl '', " bullying '' against me and it is not appreciated nor professional. As a client and member of this institution, I do not feel I have to befriend or snug up to anyone to perform business or deal in day to day transactions. Each and every client and member, active or prospective, should be dealt with in a professional manner. We are not here to make Navy Federal Credit Union employees feel warm and cozy or be their pawns.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear [ CFPB/FTC ] , I am submitting this report regarding identity theft resulting from data breaches, in accordance with the requirements outlined under 15 U.S.C. 1681, as part of my formal filing with the Federal Trade Commission ( FTC ). The breach, which involved [ brief description of the breach or company involved ], led to the unauthorized access and exposure of my personal and financial information. As a result, I have been the victim of identity theft.

I am requesting that the CFPB and FTC investigate this matter under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, which governs the accuracy, privacy, and security of consumer credit information. This includes ensuring that any credit reporting agencies that may have been impacted by the breach take appropriate actions to correct my credit report, mitigate further risk, and comply with their legal obligations to prevent identity theft. 

I request that the CFPB and FTC provide guidance and assistance in resolving this issue, ensuring that appropriate action is taken against those responsible for the breach and that my credit rights are restored. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX mortgage 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

Midland Credit arranged a payment plan for me on a debt collection from XXXX XXXX XXXX, totaling {$1900.00}. The arrangement was as follows : - ACH payment of {$100.00} on XX/XX/2020 - ACH payment of {$650.00} on XX/XX/2020 - ACH recurring payments of {$390.00} on XX/XX/2020, XX/XX/2020 and final payment on XX/XX/2020 All payments have been made as per agreed. I was just notified by a credit monitoring website I use ( XXXX, XXXX, XXXX ) that {$410.00} is now being reported by Midland. I checked my account on the Midland website, to see that my old account, XXXX has disappeared, along with my payment history, and has been replaced with a new account number, XXXX. I have no other collections with Midland, and the new account shows as still being tied to the XXXX XXXX XXXX debt, which has been paid in full. I attempted calling Midland to ask what they are attempting to collect additional money for ( none of my payments were returned or bounced, can provide bank records to verify this ), and was bounced to several departments and then told to call back another day. I am refusing to pay anything over and above what has been agreed upon, and would like this information and these sums to be removed entirely.
Product: Payday loan, title loan, personal loan, or advance loan

This company sold one loan then totally changed it when payments came due Theres extra fees Theres more charges They Harrass me everyday for payment when I just gave them XXXX They are causing emotional distress
Product: Credit reporting, credit repair services, or other personal consumer reports

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Money transfer, virtual currency, or money service

I transferred {$4000.00} to XXXX on XX/XX/year>. But I did not get money.
Product: Money transfer, virtual currency, or money service

This is to complain against Coinbase. 
I wish to practice my right as a customer of Coinbase to use your organisation 's service, seeking a formal, impartial investigation to amicably settle my dispute with Coinbase. 
In order to clear up the myriad of letters and correspondences I have hitherto sent to Coinbase respecting my complaint, I believe it will substantially strengthen both my case and your understanding, by taking a deeper look at the happenings of my case, and analysing the relevant facts in an objective and comprehensive fashion. 
It is crucial to note that I have been manipulated, socially-engineered and coerced to engage these fraudulent criminals. Much to my embarrassment, I recognise that I am the victim of an investment scam. 
My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Coinbase to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers. 
During the complaints process with Coinbase, I found their communication ineffective, which further hides their conduct to management and diminishes the service offering to their clients. 
They are struggling to adapt their business offering in the ever-changing world of IT development. The internet is presenting a real problem which they choose to manage in a way which is not in line with rules and regulations of CFPB as well as their own internal policy and procedures sold to their clients.
Product: Checking or savings account

On XX/XX/XXXX, after receiving an email from the direct bank XXXX XXXX indicating that a linked external account was available for transfers to and from a XXXX XXXX XXXX XXXX XXXX XXXX Account, ( which itself happened after all the usual verification hoop jumping ) I initiated a transfer of {$450.00} from that account to the new XXXX XXXX XXXX, to start the XXXX. The account the money was transferred from records the transfer as actually occurring on XX/XX/XXXX. I became aware of the account lock-out after trying to log into the XXXX XXXX account on XX/XX/XXXX to confirm the transfer and XXXX XXXX did not inform me of the lock-out by call or text or email. I was given only vague information when I called the number XXXX XXXX provided, but was told that most holds/lockouts are resolved within ten business days. 
On XX/XX/XXXX, I received a letter from KeyBank ( the parent company of XXXX XXXX ) saying that a hold was initiated on XX/XX/XXXX and that " the account hold is typically resolved within XXXX days. '' The letter provides three possible reasons for why the hold was placed. The first two involve me reporting fraudulent activity and are not applicable. The third reason is " KeyBank detected suspicious activity related to your deposit account or online banking profile ''. The timing of the hold implies that the " suspicious activity '' is the transfer I made after being told by XXXX XXXX that I could make transfers. 
On XX/XX/XXXX, I sent an email to XXXX XXXX offering to verify my identity however they preferred and answer any questions they had, and that if they would not do this, then I wanted my money returned. I received a vague, unhelpful response the next day. 
As of at least thirteen business days after being told the issues was likely to be resolved within ten days, the money has not been returned despite my request, I have no access to my account, and as I have no firm information about when I will have access to the account, and as I was not clearly told in the process of opening the account that I would have no access to the account, ( if I was told I would have no access, I would not have opened the account ) I consider the money stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has Been More Than 30 Days Since I Mailed My Disputes To Trans Union, XXXX And XXXX. I Haven't Received A Response From Either Of These Bureaus As Required By The The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps transferring my debt to different accounts, to have the most negative impact on my credit scores in retaliation for the debt. The also keep making minor changes to my debt to make it appear the account is still active, when it in fact, is not. These are abusive behaviors towards my credit report. 

They also keep reporting the debt as a installment loan, with late payments, even though the account has been closed and send to a 3rd party collection agency. 

The collection company that holds the debt is : XXXX XXXX XXXX XXXX XXXX XXXX no longer owns the debt and should not be reporting the debt.
Product: Student loan

I was indicated as being late on paying my load during the XXXX XXXX. I was late for one day. I have done, althought out of work, all I can to keep payments going on this loan, yet XXXX said they would need to evaluate and let me know. I continued to follow up. Recently they are telling me I'm late on dates that I am NOT late and they are saying that they already told the credit companies that they want the late reports removed from my record. None of the reports have been moved. XXXX often tells me this and I have to fight for it on a regular basis because even though I pay a month in advance, they are not good at their own accounting and their reps are very negative and speak rudely when addressing issues. I am asking that the dates that are on the attached letter from XXXX be removed from my record as they indicated they requested back in XXXX. They also never told me that they requested this be removed. It is still showing on my XXXX XXXX and my XXXX. My XXXX by the way seems to be behind as well. These companies are affecting people 's lives. What are you doing to make this right and to make sure they are more up to date and proactive in updating our records? I'm not sure I understand how they are allowed to drive people 's lives into the ground. I've overcome it, but kids with Student loans are dying on the vine!!! It's so mean and cruel. We need to do better.
Product: Credit card or prepaid card

I signed up for this card back in XXXX in store and in XXXX a year later I lost the card and I have not bought anything from the store since. Around XXXX or XXXX of this year I paid the balance off in full and I have tried to apply for a home. The mortgage lender told me I had a collections account still on my credit from XXXX XXXX. I told them I paid the balance and provided the letter of payment from the military star. After talking with the broker I looked at the copy of my credit report to find that military star has been fraudulently pushing the date of delinquency by changing the information reported to the bureaus. XXXX XXXX is first reporting that the current status of the account is in collections/charge-off state. Second they report that I was late 5 times over 90+ days late but you do not find that information anywhere in my payment history on my XXXX  report, but on my XXXX report they do not report me being late and do not display any payment history at all as if I went straight to collections when I opened the account. On my XXXX report they also still have the current status of the account listed in the charge-off /collection state which is not accurate. Not only is XXXX XXXX reporting false information but they are not consistently reporting the information, and they are " Re-aging '' the account by changing the date of first delinquency. I have attached the paid in full letter from XXXX XXXX showing that the account should be listed as paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 
In accordance with the Fair Credit Reporting Act, I insist that these items undergo investigation and be eliminated from my report. It is my understanding that you will verify these items with the relevant creditor. Any information that the creditor can not confirm should be promptly removed. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days of receiving this correspondence. 
Kindly send an updated copy of my credit report to the address mentioned above. As per the act, I should not incur any charges for this updated report. Furthermore, I request that you notify anyone who has received my credit report in the past six months about the corrections made. 
Thank you for your attention and cooperation in resolving this matter. 
Yours sincerely, _____________________________________ XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Account was placed with collection agency XXXX XXXX XXXX ( XXXX ) XXXX ) for {$750.00} by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. This account was settled and paid in full directly to XXXX. XXXX XXXX merged/was sold to Allied Collection Services ( XXXX ) XXXX ) and Allied Collection Services now shows the erroneous/paid off debt while XXXX is reporting the same, duplicated account. Phoned XXXX ( which is now Allied Collection ). They stated they were aware of the duplication of accounts reported and they are working to correct. I asked them to remove their accounts as they were duplicates and because I have settled/paid in full direct with creditor.
Product: Debt collection

Ive disputed this account before because it is not mine. Ive never had phone service with XXXX XXXX XXXX. The dispute resulted in having the account removed. They have added the account to my credit report again, causing damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

As if today XX/XX/20 I discovered my credit score had been deducted by 37 points due to the incorrect reporting of this company on my credit report. Not only did they mark my payments as late they also said I was delinquent when I made a payment. For the past 4 years I have been unable to make an online payment which is an inconvenience as being a service member I was in a area that did not have access to pay this card I called customer service and they were not able to assist me they said sorry and hung up.i am in a remote area with only one small XXXX  and its not close to where I am stationed. As service members we deserve the fair treatment if i could have been afforded the opportunity to pay online I could have avoided this and this negative impact to my credit. Now I will not be able to obtain any other opportunities of credit. I was in the middle of holidays and XXXX in a area with family that had no access to a military installation and then a negative report was placed on my credit because I didnt have access to pay the bill. During this pandemic I am a XXXX XXXX and have been unable to make it to the store to pay again online payment would help me tremendously right now.