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

I've contacted XXXX  XXXX XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX  XXXX XXXX
Product: Debt collection

a check was mailed out on XX/XX/2015 with my online bill pay with my bank and they held it and only cashed it on XX/XX/2015 and still say I did n't pay even after I provided a copy of the canceled check and told XXXX on XX/XX/2015 that it was unpaid which is 13 days after they had the money in their bank
Product: Debt collection

This credit card was fraud I dispute off my credit and spoke to the debt collector they keep sending me letters filing courts objections and forcing me to lose money and file counter objections I provide both them and the court with my dispute papers
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter XXXX bankruptcy petition ONLY in XX/XX/XXXX and decided not to go forward with the bankruptcy. I did not file any schedules or attend any hearings for the bankruptcy proceedings. I received an Order of Dismissal on XX/XX/XXXX, less than a month after the initial filing. I was never informed that a bankruptcy petition can remain on my credit reports for a period of XXXX or 10 years. 

I have contacted Transunion, XXXX and XXXX over the past two years regarding the removal of the petition from my credit reports, to no avail. I have submitted documentation from the Federal Court to prove that a Chapter XXXX did not take place. Only a petition was filed and dismissed three weeks later. To date, all three credit bureaus have refused to remove this inaccurate reporting on my credit files. After every dispute, I receive the information verified as if a bankruptcy occurred when clearly my documentation proves that it has not. I do not believe there has been any detailed investigation in this matter by Transunion, XXXX or XXXX. 

I am requesting to have the bankruptcy reporting removed immediately because I did not file any schedules for a bankruptcy nor any of my creditors were included in a bankruptcy. This inaccurate reporting should be corrected immediately.
Product: Bank account or service

On XXXX XXXX, 2015 i was emailed a BMO Harris checking account cash coupon for {$200.00} to open a new checking account with promo code XXXX ' and to deposit at least {$100.00}, set up direct deposits of {$300.00} or more within 60 days of opening a checking account and to maintain such direct deposits it would deposit a {$200.00} bonus into my account 120 days after my account became opened. 

On XXXX XXXX, 2015 BMO Harris Bank N.A . approved me and opened a checking account for me where i deposited {$100.00}. On XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, & XXXX XXXX, 2015 I set up direct deposit and had my monthly {$750.00} social security income deposited on each of these months. On or about XXXX XXXX, 2015 i contacted BMO Harris Bank N.A . at its customer complaint resolution at telephone number, XXXX, concerning my {$200.00} bonus and was told by a female BMO Harris representative i needed to wait until my XXXX XXXX, 2015 direct deposit came before this representative could place a request that I be able to receive my {$200.00} bonus. On XXXX XXXX, 2015 this representative put a request in which BMO Harris told me takes 3-5 business days to process and stated that if my {$200.00} bonus was not deposited after XXXX XXXX, 2015 it could expedite my deposit immediately. However, on XXXX XXXX, 2015 when i contacted BMO Harris concerning my {$200.00} deposit another female representative, XXXX stated that she spoke with another department in BMO Harris who informed her that I would have to wait until XXXX XXXX, 2015 to get my bonus. 

Per BMO Harris Bank N.A . terms in its checking account cash coupon for {$200.00} it clearly stated that after 120 days of my account opening i would receive my {$200.00} bonus. Again, this account was opened on XXXX XXXX, 2015 and 120 days from that date, was XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

This account was opened fraudulently. I am a victim of identity theft these accounts need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

-In accordance with the fair reporting act " SELF/LEAD XXXX, has violated my rights. 

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 a purpose.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Debt collection

I was victim to an identification death. I lost my wallet five years ago with all my information such as ID- Social Security Card - Credit card .... I reported to the police it was in XXXX XXXX XXXX. The police found the valet, however, all my informations was stolen and they left only my Id. 
Some use my personal informations and applied several credit cards under my name - 1- XXXX XXXX : XXXX was opened on the : XX/XX/XXXX 2- XXXX XXXX XXXX : XXXX was opened the : XX/XX/XXXX 3-XXXX XXXX : XXXX was opened XX/XX/XXXX All these credit card listed above was fraud. Someone used my personal information to apply these credit card and now they all charged off. 
I was able to report it to the main 3 credits bureau such as XXXX -XXXX and Experian. 
XXXX and XXXX after there investigation found that all these account was fraudulent and deleted all of them. 
I did the same process with Experian and they don't want to delete these fraudulent credit under my account. 
I put a permeant fraud alert under my account for credit monitory. 
My name is XXXX XXXX DOB : XXXX SS : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX XXXX located in XXXX TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress.  For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. 

They are reporting an account on my credit report that was opened in XXXX and charged off in XXXX, which is well past the allowed time for reporting to the credit bureaus. They have illegally re-aged this account and recently sold it to a collection agency that filed a lawsuit against me, which I hired a lawyer for and won the lawsuit, given the violation and expired statue of limitations. I have disputed directly with the credit bureaus on this account and XXXX continues to respond as account being verified, but fails to provide me with proof. 

Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX, has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Checking or savings account

On XX/XX/XXXX. I go to branch to close my account due to my bank checks were robbed. I told representative my concerns about maintain account open. I fill up documentation. I had on my account previous of clossure {$27.00} the representative tolds me due to close the account before the year the will charge {$15.00}. 
Process a transfer to my personal account of {$12.00} and left {$15.00} on the account. 
Next day XX/XX/XXXX, I received a call from branch and told me the account couldn't be close because a payment of {$20.00} from a service I authorized income to the account. 
They pay the amount cause on my account I had {$27.00}. 
They acredited to my personal account {$12.00} but they never deducted the {$12.00} from the main account. 
They charge me {$15.00} for insufficient funds to proccess the transaction of {$12.00}. 
Plus I have {$4.00} charges for the account in negative. 
I transfer to the account in issue on XX/XX/XXXX. {$46.00} dolars. 
I call customer service to report the issue they told me monitor the account and call them. 
I notice on my account only had on XX/XX/XXXX {$11.00} so I transfer today {$2.00}. My account have {$15.00} dollars at the moment. 
I call the customer service. Asking if the can take action or verify to branch to complete the process. They tokd me I have to wait until tomorrow XX/XX/XXXX to the accoubt get cleared. And I have to go again tonbranch to close the account. I told them I already submit the documentation. But they told me I have to go again to do the same process and no warranty of more charges in the time remains open.
Product: Mortgage

I received Escrow Shortage notice XX/XX/XXXX {$1100.00} to my home. Pay extra {$77.00} will be collected over XXXX  months. SPS Mortgage claim I should have received another Escrow Shortage notice XX/XX/XXXX not received to my home. Pay {$5500.00} or {$610.00} extra per month. I received Mortgage XXXX XX/XX/XXXX With {$2200.00} due in less than XXXX weeks. I asked what happened, why didn't SPS Mortgaging notify me of Escrow Shortage like all the other time? All they could say was " could you have paid it? '' I stated I would have tried given the opportunity. I had XXXX weeks to come with {$5500.00} or pay extra per month. both put a strain on my budget. I applied for Modification. After XXXX ( XXXX ) months on trial modification plan XX/XX/XXXX pd {$1600.00}, XX/XX/XXXX pd {$1600.00}, XX/XX/XXXX pd {$1600.00}. Now modification approved. haven't heard for SPS Mortgage then I called, all they could say, SPS Mortgage is working on modification. So I knew I had to pay something for XX/XX/XXXX. I paid XXXX and for extra toward escrow shortage. I finally received Contract dated XX/XX/XXXX. Arrived late evening end of XXXX overnight express rushing me to sign and get notarized fast. Contract stated {$1800.00} plus XXXX ( XXXX ) years added to end of loan. Could not afford. My Mortgage payment {$1600.00}. How is modification helping me? I paid Escrow Shortage after borrowing from everyone. I was to worried about loosing my home. After speaking with SPS Mortgage I found out I over paid my Escrow. So I turned down modification and asked SPS Mortgage to put my Mortgage back like it was. This must have upset them. SPS Mortgage starting reporting me paying late and charging late fees. Threatening risk of foreclosure. I asked why? SPS Mortgage stated I missed a payment in XX/XX/XXXX. I mailed detailed bank statement to them. then they stated I missed XX/XX/XXXX payment. I stated I did not miss any payment at all. someone must have applied payments incorrectly. I requested and investigation of my account in writing. waiting outcome. In the mean time I'm still being charged late fees. I pay my Mortgage early or on time always .SPS Mortgage knows I lost almost every thing in flood XX/XX/XXXX disaster. I think Mortgage company is trying to force me out my home and retaliating against me for not agreeing to Modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, consumer sent letter to Transunion followed with FTC identity theft report of inquiries on consumer 's credit report which do not belong to consumer.
Product: Mortgage

I was working to get a mortage loan to purchase a manufacture home with a company called Atlantic coastal financial, at XXXX XXXX, XXXX XXXX, in XXXX, N.C..The owner XXXX XXXX XXXX and his loan processor, XXXX XXXX XXXX never had the paperwork correct, evertime I requested information, I got the runaround.They lied to me, and the real estate agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N.C.She and I were told different things, the seller of the property, I was interested in became very disqusted, They set up closings, when documents were not in order.I real this a scam operation, and they need to be investigated on there practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( XXXX, XXXX, and XXXX ) refuse to remove bankruptcy on all my closed fedloan accounts. They claim the loan provider fedloan verified it was discharged in bankruptcy. This is not true. My loans where discharged through XXXX from XXXX for being a XXXX veteran. I called XXXX  numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too
Product: Credit card or prepaid card

I feel like I was racially discriminated against because of my credit score. I had a {$1000.00} store credit limit with Sears that was decreased to {$750.00} last year but today, XX/XX/XXXX, I received an alert to my email that said my limit was dropped again to {$250.00}. I paid my credit card limit off into the 30 % utilization rate on XX/XX/XXXX. I paid {$450.00} leaving it at a remain balance of {$58.00} shown on my statement. I paid my bill under this balance to be under the 30 % utilize because I am working on my credit. I called Sear today, XX/XX/XXXX paying the remain balance of {$58.00} leaving the balance at {$0.00}. Also, I have a Sears Mastercard that had a limit of {$500.00}. I had a balance of {$470.00} that I paid off XX/XX/XXXX. After i paid this balance off, Sears reported to my credit paid off but also lowered my limit on this card as well to {$250.00}. On XX/XX/XXXX i checked my credit Sears reported my balance of {$470.00} paid off but them lowering my limit too {$250.00} on this card as well didnt approve my credit score as it should. They said based on my credit shown on XXXX they lowered my limit and would send something in the mail. But I applied for 3 new lines of credit too help build my credit when I paid there debt off and now my credit score dropped because of there limit decrease.
Product: Debt collection

I have a unverified account from XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX Cease and Desist all further communications. XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Product: Money transfer, virtual currency, or money service

www.coinbase.com I put my cryptocurrency ( ETH + LTC ) in their vault back in mid-XX/XX/XXXX. To be able to transfer them back from the vaults to my wallets I need to approve the transaction with two email-adresses. I am not able to approve with my secondary email, hence my coins have been locked up in the ETH/LTC vaults since I sent the first request to customer service on the XX/XX/XXXX. 44 days today without having resolved the issue. 

They say they have forwarded my case to an expert, but nothing is happening.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : XXXX, XXXX, Equifax Subject : Request for Removal of Unverifiable Account Dear XXXX XXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for amounts of {$6800.00}, {$3700.00}, {$540.00} from XXXX XXXX XXXX XXXX XXXX XXXX my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section XXXX ( XXXX XXXX. XXXX ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section XXXX ( XXXX XXXX. XXXX ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section XXXX ( XXXX XXXX  XXXX ), which allows consumers to seek legal recourse for willful non compliance, and Section XXXX ( XXXX XXXX. XXXX ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These names and addresses has violated my rights.

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

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have a personal and a business account with XXXX XXXX. AT the time of scheduling my bill payment, my balance in my business account was {$2400.00} and balance in my personal account was XXXX. On XX/XX/year>, I scheduled a payment for my XXXX XXXX XXXX XXXX  from my personal account for {$3800.00}. The online banking accepted my payment. The next day, my payment was returned due to non-sufficient fee. They actually scheduled my payment from my business account and then return my payment. And charge {$36.00} My complaint is, XXXX should not allow me to schedule payment from the account which doesn't have enough money. Other banks would not allow to schedule bill payment if I don't have enough money at the time of scheduling. 

This is a deceptive practice and charge me with a JUNK fee and cost me another {$40.00} at other institution in the form of return credit card payment.
Product: Debt collection

Portfolio Recovery is reporting a collection account on my reports that I am not familiar with. I have reached out to them via mail requesting sufficient documentation stating how they figure this account and debt belongs to me. Here is the tracking, XXXX XXXX XXXX XXXX XXXX. In receipt of this validation request they only sent an itemized statement of the account. A statement is not validation of debt further proving that they do not have valid proof to support their claim. I am requesting that this account is deleted from my credit reports now!
Product: Credit reporting or other personal consumer reports

Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER personally used this account for fraud : Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/year> ) Account # : XXXX Routing # : XXXX Im a victim of identity theft and fraud. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, XXXX XXXX