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

I have had an fraud alert on my account that I did not place on there. It is on Equifax, Only bureau it is showing on. Called them several times to get this removed. I have sent in supporting documents to them three times by mail and as of now two times by fax. Last fax (XX/XX/XXXX ). 

Spoke with an agent ( XXXX ) who was finally able to authenticate me. She went through the process of updating my address on file and as well removing the fraud request. She gives confirmation NUMBERS of the two things being complete. During the call she mentioned that they do HAVE my documents that I had sent. Said the items last received in XX/XX/XXXX. I asked her if you guys received the information at that time why wasn't a confirmation letter sent out As you guys mentioned would happen? NO ANSWER. 

I checked my account a few days last date XXXX. Account still has an address that is not valid and also the fraud alert is still on the account. So I call again today. 

The representative somehow is not able verify my identity. Story of my life with this company except with the one rep from previous week. So the rep lets me know they are not able to ask any other questions other than the TWO that he asked, When I spoke with the rep on XXXX she asked 4 questions and was able to authenticate but you ask 2 and not. 

I proceed to mention to him that I called and got confirmation numbers from prior rep. No concern. I asked to speak with SUP. She gets on the line ask for Name and that is all. She does not try to authenticate me at all to verify my identity. I tell her I have confirmation numbers and to pull call from last week. She never once ASK for the numbers and stating the info that they have is too old ( documents from XXXX ). 

Keep in mind she has stated she cant get in my account but you just confirmed you had documents. She then continue to tell me once again what items to send in. I mention to her this will be my 5th time. Non chalant attitude. Sent over fax with documents. 

30 minutes prior to this post. Check the mailbox and what do you know a POSTCARD stating my fraud alert has been removed form account. SO how can I get this postcard and the alert is still on my account. This place is running a SHADY business and making money off of incorrect items that they decide to add to people accounts. 


Can someone please with this issue?
Product: Debt collection

In XX/XX/XXXX i got an alert from XXXX that Diversified Adjustments had put a collection account on my credit report. By law, they must notify me in writing of the debt. I have 30 days to review the information they are claiming, and dispute it if needed before adding it on my credit report. They violated my rights under the fair credit reporting act! They never sent me any notification of the debt, instead, they put it on my credit report without sending me any information of the debt! Also, i do not owe XXXX  anything close to that amount. This account was for a phone line that was opened in XXXX, and closed in XX/XX/XXXX. This was for a flex lease and the phone was returned back to XXXX. This phone was never properly credited back to me. Any amounts owed was paid! This is unlawful! Also, they are trying to reage this debt by putting the wrong original delinquency date! By law, they must keep the original date of delinquency of the original debt no matter what! This must remain the same no matter who owns the debt! I have enclosed a copy of this information! My services had ended in XX/XX/XXXX, and the date of first delinquency was in XX/XX/XXXX, the final bill was printed in XXXXThey are trying to add on a year from the original delinquency date! I have contacted Diversified by mail, and have not heard anything back from them. They have a number of complaints on the XXXX  Website for fraudulent activity over debts! I have rights and have a right to dispute any information that i believ to be inaccurate and they violated my rights by not sending me any notification and adding it on my credit report before i had a chance to review the information! The date of first delinquency date is inaccurate!!!
Product: Credit reporting or other personal consumer reports

Reporting late payments and have requested for them please remove under the new credit act
Product: Student loan

Today X/XX/17 at XXXX I made a phone call to Wells Fargo to make a payment so my student loan account would be current and up to date. I stated I wanted to make a payment of {$5000.00}. The Wells Fargo representative stated she could not accept the payment and that the student loan needed to be paid in full. My full balance is {$100000.00}. I stated I was unable to pay in full but can make a payment of {$5000.00}. She again stated she can not accept the payment and there was nothing she could do. I asked to speak to her supervisor. She then stated her supervisor was unable to help as well. She stated the only other option is to pay the loan in full. 

My monthly payment is at {$710.00} per month. I am 5 months behind. 

I am behind on my student loans due to the stressors of paying my medical bills that were coming in from a past hospitalization.
Product: Credit reporting or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for XXXX XXXX XXXX Account # XXXX in XXXX and XX/XX/2022, XXXX/DOFED Account # XXXX. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MACYS/CBNA XXXX XXXX XXXX XXXX XXXX OH XXXX Dear Sir/Madam, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. MACYS/CBNA. ( " Miscellaneous Department and Variety Stores '' ) on date XX/XX/year>. I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA Section 604, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed.Furthermore, FCRA Section 611 requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable.I am hereby requesting that [ Credit Bureau Name ] investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations.Enclosed are copies of relevant documents supporting my claim, including [ list any supporting documents, if applicable ] .Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA Section 611.Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of specific unauthorized accounts and inquiries from my credit report. I am a victim of identity theft linked to a recent data breach, and these items were fraudulently added to my report. According to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these accounts and inquiries blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1700.00} XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX  XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$420.00} Fraudulent Inquiries : XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Debt collection

XXXX, TX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Subject : Request for Validation of Debt and Original Contract Dear Sir/Madam, By the provisions of the Fair Credit Reporting Act, I am writing to request that the following inaccurate item be immediately investigated and removed from my credit report in order to show my true credit history. As you are well aware, under 15 U.S.C. 1681i of the FCRA, as well as numerous other legal authorities, you are required by federal law to report only accurate information and every step must be taken to assure the information reported is completely accurate and correct. Please accept this letter notification that I dispute the following items reflected in my credit report : Creditors Name : PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX Provide me documentation that this is mine or delete it Note : PORTFOLIO RECOVERY ASSOCIATES has miss represented itself to XXXX as an original creditor holder which is strictly prohibited in court of law and is in non-incompliant with CFPB reporting guide-lines, please deleted without delay.

1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any ch
art or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. 
( Pub. L. 90321, title I, 112, XXXX XXXX XXXX 82 Stat. 151 ; Pub. L. 111203, title X, 1100A ( 2 ), XXXX XXXX XXXX, 124 Stat. 2107. )
Product: Credit reporting or other personal consumer reports

I have identified incorrect information on my credit report that has been repeatedly verified by XXXX, Experian, and XXXX as accurate. However, I have substantial evidence, which I have attached, proving the information is false. Continuing to report and verify these inaccuracies violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly section 611, which requires a thorough investigation into disputed data. 

The continued presence of this false information on my report has caused unnecessary harm. As such, I demand immediate correction and the removal of this inaccurate data from my credit report. Please review the attached documents carefully and take appropriate corrective actions to avoid further legal violations.
Product: Money transfer, virtual currency, or money service

hope this letter has correctly found itself within your complaints/fraud department as it is essential to me that yo become aware of the ordeal I have had to go through. 
Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX  Trading Marketing ( the " Fraudsters '' or the " Company '' ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent " investment services '', all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. 
It should be noted that the companv is a client of vours, owner of wallet : XXXX XXXX The scammers were committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my wallet in the total amount of XXXX XXXX utilizing your services and under your authorization
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information
required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit card or prepaid card

Today XX/XX/2021 my account that was in good standing was closed. Reached out to several employees regarding the reason and was told that even though I made all my monthly payments on time, twice in the past year I had additional payments made that were refunded. This is not in the contract that I signed. Contract attached.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was urgently contacted by Coinbase to provide XXXX information for their compliance team. I promptly provided the information within 7 days, including payslips, identification, account statements and yet, I have heard nothing back. Within 4 weeks, they abruptly restricted my account and cancelled my Coinbase Card. Since then, I have been in a state of financial limbo, unable to access my funds. I can not withdraw it or send it anywhere, and every time I speak to their support team, they provide pre-written scripted answers which provide me with zero information about the closure and about my money. 

I am a XXXX Citizen who works full-time and pays taxes. Despite my continuous efforts to provide them with all the necessary information and my numerous attempts to communicate with their support team, I am met with a deafening silence. I get zero information and no answer to my problems, which is deeply frustrating and disheartening. 

Here is a clear log of my communications with Coinbase : XX/XX/XXXX - I received an email from them asking for compliance information. 

XX/XX/XXXX - I provided all of the information requested and responded to them. I received no response at all, confirming that they were looking at my account. I assumed everything was fine as I did everything requested. 

XX/XX/XXXX - I was notified that my account was suddenly facing closure and that I had to withdraw my XXXX. When asking what happened, I received no information and could not sell or transfer my XXXX as they promised. 

XX/XX/XXXX - I spoke to Coinbase support on the phone and got nowhere after a long phone call. I XX/XX/XXXX - I spoke to Coinbase today and got the same response. With no resolution and no access to my XXXX. Even though they promised that they would allow me access to my funds. 

This is an infuriating cycle and unfortunately, not the first instance that Coinbase has treated their consumers terribly. I am currently facing financial mayhem, and a colossal amount of stress that I could deal without. I am pleading for your immediate assistance so that I can regain access to my XXXX. I have been purchasing XXXX since XXXX, therefore, there is absolutely no valid reason for the account closure or the lack of access to my funds.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX  is reporting a debt on my credit report that XXXX ) is no longer owed to them, XXXX ) is now owned by LVNV/Resurgent XXXX and XXXX ) has a XXXX balance because I paid LVNV via their XXXXparty, XXXX XXXX XXXX ( as XXXX refused to offer me a settlement amount and transferred me to FRS for settlement ). Due to XXXX XXXX simultaneously reporting the referenced account and debt and not deleting it altogether, has resulted in adverse action with the mortgage lender that I am working with, and has stopped the lending process, which can prevent me from getting the home. The erroneous reporting will also result in the lender having to run my credit again, outside of the mortgage inquiry period ( if this is not resolved ). Ultimately, adding more inquiries and lowering my credit score. 
The amount being reported by XXXX XXXX XXXX  is {$810.00}.
Product: Credit reporting or other personal consumer reports

Ive found mistakes on my credit report under 15 USC 16c-2. There are unauthorized inquiries affecting my credit. Please remove them immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute Request for Investigation and Correction of Late Payment Reporting on XXXX XXXX  Account Dear CFPB, I am writing to formally dispute the reporting of late payments on my credit report for the XXXX XXXX  account with account number XXXX. After reviewing my credit report again, I noticed that despite my initial dispute filed on XX/XX/XXXX, no corrections have been made. I am disappointed to find that the discrepancies still persist, and I am seeking resolution as outlined under the Fair Credit Reporting Act ( FCRA ). 
Summary of Errors : Inaccurate Late Payment : The account is incorrectly reporting a 30-day late payment for XX/XX/XXXX, which does not align with my payment records.

Discrepancies Across Bureaus : The reported details for the same account vary across XXXX, XXXX, and Equifax, including differences in dates of last activity, dates reported, and account descriptions. 
Failure to Correct Errors : Despite the first dispute on XX/XX/XXXX, no action has been taken to address or rectify these inaccuracies. 
Violation of Payment History Accuracy : My records indicate that all payments were made on time, and this error has negatively impacted my creditworthiness.

Reason for Dispute : The account in question is inaccurately reporting a 30-day late payment in XX/XX/XXXX, as noted in my credit report. However, according to my records, all payments were made on time for the entirety of the loan term. This reporting is erroneous and damaging to my credit profile. 
Violation of the FCRA : As stated under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must only include accurate and verifiable information. Furthermore, under 15 USC 1666 ( b ), creditors are required to mail periodic statements to consumers no later than 21 days before the payment due date. Failure to correct this error and provide verifiable proof constitutes a violation of these obligations.

Request for Action : Correction of the Reporting : Update the account status to reflect Paid As Agreed Never Late.

Investigation Procedures : Provide a detailed description of the investigation process followed by your agency as required under 15 USC 1681i ( 7 ).

Documentation : If the reported late payment can not be corrected, provide documented evidence of the claimed late payment, including dates, amounts, and communication records.

This is my second dispute regarding this matter. No action was taken after my initial complaint was filed on XX/XX/XXXX. The lack of correction and response is deeply concerning and unacceptable. I kindly urge you to take immediate action to investigate and correct this error, or provide documentation supporting the validity of the reporting. 
Under the FCRA, you are obligated to respond within 30 days of receiving this dispute. Please address this matter promptly and provide written confirmation of the steps taken to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent for all these companies to make inquires on my credit report. I have disputed with the credit bureaus with no assistance. I have been a victim of identity theft and have filed appropriate documents as well. 

This includes all some have multiple entries. 

XXXX dba XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a medical debt ( that I do not dispute that I owe ). The current balance is {$150.00}. I have been making XXXX monthly payments and I continue to get repeated phone calls where they are leaving harassing voice mail messages. 

They called : XXXX XXXX XXXX My last monthly payment was {$25.00} on XXXX which was cashed by the company. 

I have always returned the phone call to a person who says their name is XXXX XXXX. 

Every time I speak to her she gets REAL NASTY and threatening me she is going to call my employer ( which is ignorant on her part since I do n't work ). And that even though I am making monthly payments " That is not good enough '' and " She is going to report me to the credit bureau and ruin my credit ''. 

I am making my monthly payments, returning their calls unlike most people that probably just avoid them and I am still getting harassed ( 3 times so far in XXXX month ).