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

I AM HAVING A PROBLEM WITH MY XXXX XXXX  CREDIT CARD THAT'S REPORTING A 30 DAY LATE PAYMENT FOR XX/XX/2022. I SPOKE WITH A REPRESENTIVE LAST WEEK FROM XXXX XXXX AND SHE SAID THE LATE PAYMENT WOULD BE REMOVED BECAUSE OF THE ERROR BUT IT'S STILL BEING REPORTED AT THIS TIME AND I'M CURRENTLY IN ESCROW AND THE LENDER TOLD ME THIS WILL HOLD UP THE PROCESS. THIS ACCOUNT HAS NEVER BEEN LATE AND I'M LOOKING FOR ASSISTANCE GETTING THIS ACCOUNT CORRECTED QUICKLY SO I CAN CLOSE ON MY DEAL. THANK YOU FOR ALL YOUR HELP.
Product: Money transfer, virtual currency, or money service

It first occured on around XX/XX/XXXX, i fell victim to a multilayered XXXX hijacking operation orchestrated by a sophisticated con-artist ( the Scammer ), who hacked my computer to Connect my Coinbase XXXX. 

I did not authorize the COINBASE TRANSACTIONS. 
I was not the one making them. 

I lost XXXX ETH
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I already submitted a complaint to the XXXX Credit Bureaus regarding my concern. I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus must comply with the Fair Credit Reporting Act, 15 USC Sections 1681i, and stop reporting as unverified information without any proof provided, within the time allowed by law. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$14000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to you guys about some items on my credit that not mine. I thought this was taken care of but there are still items on my credit that are not mine. I've contacted the FTC and my local police and I'm doing this on my own behalf. XXXX   XXXX/XXXX, XXXX  XXXX XXXX, and XXXX. Please have these removed from my credit.
Product: Credit card or prepaid card

I put {$200.00} on a First Progress card. I made 2 purchases and paid them both. Two {$35.00} charges was on my bill and I disputed both charges. I was charged 3 late charges which I was not late on any bill. I was told I would get a refund for the disputed charges and the late fees. I have talked to this company a number of times to no avail. I dont know what else to do to get my money back. I put {$200.00} on this card, was charged an annual fee and Im trying to get the rest of my money back.
Product: Checking or savings account

I am experiencing an issue with my bank account with Capital One. Recently, I conducted some private currency exchange transactions involving {$300.00} and {$1400.00}, both of which were personal exchanges for legitimate purposes. However, without prior notice, the bank suddenly froze my account, causing significant inconvenience to my daily financial activities. 

These currency exchanges were simple, personal transactions between myself and a friend for travel or other personal needs, and the amounts were small. There was no commercial or illicit activity involved. Despite this, the bank locked my account without providing any clear explanation or reasonable notice. 

I received an email from the bank notifying me of the account freeze. However, when I attempted to contact the bank via their customer service hotline, I faced serious communication difficulties. The waiting times were extremely long, and sometimes my calls were not answered at all. This made it impossible for me to effectively communicate with the bank and resolve the issue. 
When I requested an apology for freezing my account without proper notice, the bank refused to issue one. I believe the account freeze was unjustified, and the communication provided by the bank was severely lacking, leading to financial stress and inconvenience for me. I am seeking CFPBs assistance to request that the bank restore my account to normal use, provide a reasonable explanation for the freeze, and issue an apology for the inconvenience caused. Additionally, I hope the bank will improve its customer service and provide more effective channels of communication to prevent similar issues for other customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXXXXXX Balance : {$8200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  : YOUR FRAUDULENT YOUR SELF! First your responsable for my Data Breech, Then youll open a dispute 1 day and not even give the dispute process a chance and youll close it the next. XXXX : 2 fraudulent accounts with you. XXXX  XXXX it was closed but now its back open, cant do that its ILLEGAL. Another with you XXXX XXXX. XXXX  open in XXXX was closed, XXXX open XXXX closed. But look there, its open again. Ive been victimized by someone or people that have opened banks, credit cards, cell phones, addresses, phone numbers, revolving credit, inquiries, y information is on the Dark Web. As late as XX/XX/XXXX. Someone is ruining my life and continuing on to try. XXXX accounts including bank accounts.XXXX  these inquiries ARE NOT MINE. Im fixing not ruining. XXXX  XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO I almost forgot, for you 3 sister companies XXXX  opened XX/XX/XXXX Acct # beginning with the first 6 numbers is all Im provided with, XXXX closed on XX/XX/XXXX for the amount of {$530.00}, Wards, opened XX/XX/XXXX closed XX/XX/XXXX with the amount owing of {$120.00}, and last but not least XXXX XXXX opened on XX/XX/XXXX closed on XX/XX/XXXX with a balance of {$1000.00} all 3 of you companies will be getting thee notification that, and it gives me pleasure, all 3 were closed due to fraudulent charges! TAKE OFF MY CREDIT REPORT! Already. XXXX!!!! XXXX!!!! Do I have your attention, the inquiries are not mine, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION : inquiries not mine XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX MI XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX. I have ALL my reports LOCKED HOW ARE THEY STILL GETTING IN FILE?????
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, back in XXXX my home was broken into all my information and daughter information was stolen and all our jewelry. 

Someone even have an eviction in my name in XXXX XXXX. Which I resided in XXXX since birth. 

Please help me I have no knowledge or connection with any account listed.
Product: Debt collection

According to the documents that were left at a house I no longer live at, the filed a small claims on XX/XX/XXXX with no knowledge to me or any actual communication with me, then the documents that were left behind were not signed by a peace officer, they are blank and then the main sheet shows that it was signed on XX/XX/XXXX but nothing was again communicated to me. 

I have already checked my credit report and this debt was being disputed way before XX/XX/XXXX and still shows as disputed on my report. 

As of this complaint, not one person has made contact with me about this and this debt is still be disputed due to no information proving it is mine
Product: Debt collection

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 


Account name XXXX XXXX Account # : XXXX. 
Date Opened : XX/XX/2023. 
balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

My student loan was closed, XXXX of the XXXX agencies closed all acccounts, as advised by the department of education, but Experian had a separate, older account showing open with the full amount of the old student loan for aidvantage. XXXX and Dept of education have my loans closed out. 

I submitted dispute, nothing changed. I called and their customer service took no action onine and said all amounts were verified. I spoke to XXXX, they even sent me an email stating the contrary. I submitted XXXX more diputes with Experian to close the aid vantage and zero the balance, they are refusing saying I still owe money according to their records. 

I sent department of education email stating my loan was closed, email that moehela had replaced aidvantage and the moehela was closed with XXXX balance and then the aidvantage email saying congrats, your loan balance is XXXX and closed. 

They obviously are committing fraud by a ) keeping an incorrect balance, b ) keeping an account open that the sponsor even claims is closed and probably trying to sell it to a third party to try to make some financial gain from this. I don't trust experian did anything for background research ; they certainly did not call aidvantage who confirmed Experian made no contact with them in their records. 

I want my record corrected or I beleive I am entitled to legal action for their fraudulent published info. If they are trying to force me to accept incorrect info, how many thousands of others do they do this too to perpetuate bad credit, bad loans, etc. They deserve to have the CA department of justice to investigate and that will be my next stop.
Product: Mortgage

I have applied for a refinance with my existing mortgage company. I was approved initially and have been waiting for approximately a month for the final closing. Freedom Mortgage has failed to communicate in any effective manner during this time and finally I called them only to find out my refi was denied for a late payment. Previously my mortgage was handled by XXXX XXXX at which time there has been issues with payments not properly being applied and transferred when the mortgage was sold to Freedom Mortgage. When I discovered this I began working with Freedom Mortgage to address and investigate where the payments went wrong. I provided proof and bank statements showing that I did indeed make all payments on time each month. I was put in forbearance to avoid any negative impacts and give me time to investigate/correct the errors. I have brought my mortgage current while in forbearance and applied for the refinance. I am not being denied with no communication or explanation. The loan officer assigned has refused my call as has his management. I have NEVER been late or missed a payment. I wasted a month trying to refinance with a company that clearly does not care about its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again : XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX  Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

In XX/XX/year>, I accepted and paid an offer from your company to settle the account [ XXXX ] in full for 50.00 % of the balance owed. However, it has come to my attention that the debt is still being reported as unpaid to credit agencies. 

I would like the company to update my account status to reflect that the debt has been settled in full per the terms of the offer.
Product: Credit card

There are Hard inquiries on my credit report and According to FCRA section 605B it is illegal to report information on my credit report without my permission. I need these inquiries removed immediately to maintain having an accurate credit report. 

I would like to remove the following Hard inquiries in my report : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX I would also like to remove the soft inquiries in my report from the following companies : XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX - Inquired on - XX/XX/XXXX and XXXX more XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX and XXXX  more XXXX XXXX - Inquired on XX/XX/XXXX and XXXX more XXXX XXXX - Inquired on XX/XX/XXXX and XXXX more XXXX XXXX  XXXX - Inquired on XX/XX/XXXX and 1 more XXXX XXXX XXXXANK - Inquired on XX/XX/XXXX and XXXX more XXXX XXXX on XX/XX/XXXX and XXXX more XXXX XXXX on XX/XX/XXXX and XXXX more XXXX XXXX on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX - Inquired on XX/XX/XXXX and XXXX more XXXX XXXX - Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX - Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with transunion 3 times already XXXX and all were denied. Complaints against XXXX, original XXXX XXXX XXXX. We aquired a camp membership in XXXX and did not have any other new contracts. This should of been removed. It is over 16 years old and XXXX has the same contract listed 3 times on my credit report in which they keep changing the date of aquirement which was XXXX only. It was a membership to use the campground. I called the campground to remove my contract and they didnt. We only used it one year for XXXX. This was for use of campgound not ownership.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been trying to get this corrected on our credit report since XX/XX/XXXX. 
Can you please assist us with providing us a letter stating that we have paid the account in full as of XX/XX/XXXX and that we had no 60 days late or greater in the previous 12 months. 
We requested a pay off in XXXX of XXXX, and when we did not receive it, we paid the balance, plus two extra payments. We tried for 6 months before we were successful in closing this account at the end of XX/XX/XXXX. 
This is now compromising our ability to get a better interest rate on our mortgage, and costing us time and effort to get this resolved. 
We have until XX/XX/XXXX to resolve this without incurring further fees. 
We would very much appreciate you providing this documentation to our SLS account portal and notify us via email that this has been accomplished so that we can proceed with our refinance. 
cc : Consumer Financial Protection Bureau XXXX, XXXX and XXXX credit reporting agencies
Product: Mortgage

In XXXX of this year, we submitted the required form for NewRez to remove mortgage insurance from our loan. We returned the form and the {$150.00} fee to the exact address indicated on the form. After a couple of months, we heard nothing from them, even though they promptly cashed the check. I called again in XXXX to check on the status, and they said they didn't know what the money was for, so they just applied it to my mortgage. I told them I found that suspect since the check and the form were in the same envelope. I then asked to speak to a manager, who told me they would look into this and get back to me. It is now the middle of XXXX, and I have received no written or verbal response from anyone. They cashed the check and received the form in XXXX and have yet to process the request for removal of the mortgage insurance. This means that I am paying almost {$200.00} a month more than I should be paying due to their negligence. Since they don't seem to respond to me, I would appreciate any assistance you can give me in this matter.
Product: Debt collection

I was a victim of the 2017 XXXX breach and as result, identity theft has accorded and a account was fraudulently opened in my name. I have already filed a complaint with the FTC, contacted credit bureaus, and contacted the company. XXXX XXXX XXXX XXXX is a fraudulent account and is not mine. I have already asked for the account to be removed from my credit bureaus and it hasn't.
Product: Checking or savings account

America First Credit Union charges Overdraft fees even if a deposit is made same day or even minutes after a transaction. In addition, Ive XXXX overdraft protection in hopes that all charges would be denied if attempted. This setting doesnt matter and the transaction will always be honored so they can collect the overdraft fees. Customer service takes all day to deal with then days of waiting for a response or resolution. Worst bank ever! The only reason Ive received over draft fees is because Im switching banks and items on autopay keep coming up.
Product: Credit reporting or other personal consumer reports

I was surprised to see late marks on my credit report in XX/XX/XXXX. I believe that I had made my payments on time and the statement may have not gotten to me or the payment was not applied as fast as expected. I already communicate to Experian requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX 4. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Under 15 USC 1692g. Validation of debts XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE PREVIOUSLY DISPUTED BANKRUPTCY XXXX WITH XXXX, Transunion, and XXXX. IN RESPONSE, THEY VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT.

I CONTACTED THE COURT. AND THEIR RESPONSE IS THEY DO NOT REPORT OR VERIFY INFORMATION WITH THE CREDIT BUREAUS.

IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE.

EITHER WAY. THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.