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

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as UPDATE these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXX XXXX XXXX  XXXX Balance {$XXXX} The late history should not be showing late because I think I paid on time. Please update the late payments from this account. 

DPT EDXXXX XXXX Balance {$XXXX} XXXX formally request the removal of late payment from this record. I don't think I was late in the months reporting. 

XXXX XXXX XXXX  XXXX Balance {$XXXX} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX Balance {$XXXX} You are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Money transfer, virtual currency, or money service

Block Inc ( cash.app ) allowed an account to be opened using my stolen identity and processed {$6800.00} in 'card not present transactions '. Without due diligence they opened and refuse to close the acounts or work with me in any way to get to the root of the fraud. They also reported this activity as legitimate to the IRS and I have had to take extra ID theft steps to make sure I am not liable for taxes due. This account is likely still active and committing fraudulent transactions but I have no access to know anything. I have never had any business with cash app or block inc.
Product: Credit card

This happen during the pandemic and I was making all my payments on time for Self credit card builder. and then I couldn't log in to the app. I called a number of times but because of the problem with covid i never got no answer from customer service. I try sending emails and chat message but no response. I missed XXXX payment but then received a letter of XXXX balance. I wanted to pause my account because I was getting unemployment  but I it was cut off for error and covid government cap and had to wait to receive the payment the following year. 
I want to say I reached out but couldn't ever get a live person on the phone line .or on chat and the app wasn't working. So I lost my account.
Product: Debt collection

hunter-warfield place called XXXX at XXXX, Hunter-Warfield ( XXXX ) called regarding XXXX XXXX XXXX debt ( rent, damage ), said debt was paid before moving into XXXX XXXX ( both owned by Minnesota HRA ) XXXX : Called, I had previously directed XXXX ( wife ) to ask for names ( person, business ) ... for once they gave the name... hunter-warfield ... it was a XXXXsounding woman on the phone. 

The whole thing is over {$440.00} or so... most of the time they hang up after we ask for name of either the person or the company. 

The debt was taken care of, otherwise HRA wouldn't have allowed us to move into another HRA building.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am going through a refinance with XXXX XXXX  ( Great Company! ). They pulled my credit report and saw that there was an report pulled by Selene Finance LP ( my current Mortgage Company ) on XXXX XXXX. When I called Selene Finance LP to ask why they pulled my credit Report without my knowledge. The agent said we were looking for a phone number? The agent read off 5 numbers and 3 were my correct phone numbers. 
So Selene Finance LP did have my phone numbers on file. I explained to the agent from Selene that when they pull a credit report it is not good because it can affect my credit score. He said that is what we do to get information? 

XXXX XXXX had questions when they saw this because I am at the end of the re-finance process with them and up pops a credit pull from Selene Finance! 
I am no professional in this business but I think a company has to have permission from a client before they randomly pull your credit report and surely not to find a telephone number! 

This is outrageous and very unprofessional and un-ethical. The XXXX XXXX XXXX and I both have requested a pay-off on my current mortgage account with Selene Finance LP, we both ask them to put a rush on this because I am about to lose my rate for refinance with XXXX XXXX. Selene Finance LP never responded to XXXX XXXX XXXX! So I reached out to them also to let them know I need this pay-off like yesterday and Selene Finance they told me it would take 5-7 business days to get a pay-out!!! Please help me! I am in need of this information immediately and Selene Finance is messing me up royally with the improper credit check and the time it is taking them to give me a pay-off letter to submit to my new refinance company. It is not fair or ethical of Selene Finance to do this.
Product: Money transfer, virtual currency, or money service

I transfer XXXX from my binance account on XXXX and I still have not received the currency at all. I contacted customer support various times but they stop responding to me days after they respond to my request this honestly ridiculous. 
the amount i sent was XXXX XXXX. 
I have all the confirmations that it sent but coinbase still refuses to send me my money. 
I have even the blockchain confirmation that the amount was sent to the wallet they told me to send it to. 
https : XXXX all the info that is needed is here
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts & inquiries opened and being reported on my credit report that do not belong to me. I have took the necessary steps to contact these companies & the credit bureaus to advise that whats being reported is fraud & not accurate. I have made several attempts in disputing all inaccurate information being reported on my credit but there has been no resolve. I filed a police report regarding this matter in XXXX of 2022, I requested alerts be put in place on my credit as an extra layer of protection yet that didnt work either. This has affected my credit & score tremendously & i am now choosing to escalate this matter in hopes of it getting resolved right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Gateway one lending and finance for an auto loan. I paid the account off for the remaining balance of {$1900.00} on XX/XX/2019. I recently had my credit pulled for a home loan and it shows on my credit report that I was 30 days late. I called Gateway one to have the derogatory mark taken off my credit report and I was told that they don't handle disputes this way that I needed to write a letter a mail it in. I mentioned to them that I am in the process of getting a home loan and did not have the time to wait that long. They still refused to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX, XXXX  and Transunion and plus XXXX XXXX ; I'm extremely confused why there still an item on my credit report that continues to shows and report incomplete, misleading, and unverifiable data. Especially there are so many inaccuracies on the way this XXXX XXXX Account is reporting between Transunion and XXXX. How come it's reporting different data and different balances. See attachments. Why Transunion saying that I owed {$1200.00}, but XXXX says that it was PAID and {$0.00} balance. Something doesnt seem right. And XXXX removed it from my credit report. I need this delete today from my credit because its reporting multiple inaccuracies, incomplete, and misleading information. 

Also, why you continue to report different misspelled and variations of my names and some unknown previous or former addresses and phone numbers. I disputed these several times in the past and I've asked that you deleted them from my credit report because it's stressing me out. delete from my credit report effective today.
Product: Debt collection

I sent a letter disputing the account information that shows on my credit report, as it is inaccurate XX/XX/year>. I did not receive a response from MCM. I followed up via phone on XX/XX/year>, and they told me they would not finish their internal investigation until XX/XX/year>, which is well beyond the requirements of the FCRA. This should be removed from my credit report immediately, as the parties over the phone could not give me any information on this account & wouldn't let me settle the account when I offered to pay. This is fraudulent and this debt does not belong to me.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this complaint to bring to your attention the failure of Experian to properly investigate a dispute I raised regarding inaccuracies in my credit report. On May 22nd, I sent a certified dispute letter to Experian. In response, I received an automated reply, which clearly indicates that my request was not thoroughly reviewed. It has now been over three months, and I have yet to receive any further communication or resolution from Experian regarding this matter.

Experian 's actions are in clear violation of 15 U.S.C. 1681e, which mandates that " 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. '' Furthermore, they have not complied with the requirements set forth in 12 CFR Part 1022 ( Regulation V ), which obligates furnishers to : A. Provide information about accounts or other relationships with a consumer that has integrity.

B. Ensure that information furnished about accounts or other relationships with a consumer is accurate.
C. Conduct reasonable investigations of consumer disputes.

According to the Consumer Reporting Resource Guide ( CRRG ), it is also required that consumer reporting agencies adhere to XXXX XXXX compliance standards when making lawful reports. It is evident that Experian has not followed these standards or the laws that protect consumers like myself. 

Given their failure to address my dispute adequately, my next step is to file a lawsuit against Experian. I am serious about holding them accountable for not adhering to their legal obligations, and I request that the CFPB intervene to ensure that this matter is investigated properly. 

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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX Account namXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX  Account name XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 1681s-2 ( A ) ( 1 ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX XXXX with the account numbers XXXX and XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX XXXX XXXX AND TransUnion ARE BREAKING THE LAW. Pursuant to subsection ( A ) 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXX XXXX XXXX and XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a written request to Experian Credit Solutions informing them of two accounts reporting incorrect information on my credit report. I attached to the letter, a copy of my report and detailed the information that was incorrect on both accounts. Specifically, both XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) are employing the commonly used tactic of " re-aging '' collection accounts to circumvent the FCRA and allow the account to be reported for more than seven ( 7 ) years. I notified Experian of this illegal tactic and instead of actually conducting an investigation into the accounts, Experian used an algorithm-based investigation and generated an automatic decision showing the accounts as " Verified and Updated. '' However, the collection agency did not provide the information requested nor did they update any incorrect information. The collection agency simply re-submitted identical information ( still incorrect ), provided no supporting documents, and Experian validated the information. This is completely unacceptable. For consumers to trust and rely upon the Credit Bureaus, the Bureau has a duty to objectively investigate consumer disputes. Experian conducted NO investigation and simply verified inaccurate information.
Product: Student loan

I have six different loans with Fedloan servicing, I recently refinanced my home and sent three checks with clear instructions for Fedloan Servicing to apply those three checks to three of my loans ( loans with higher interest rates ). I made a cover letter for each check with clear instructions and also wrote clear instructions on the checks about how to apply the checks. I called their customer service and they said that they'd apply the checks as I requested. However, they just spread the amount among all six loans and left the higher interest loans with higher remaining balances. It's completely against what I had requested. I haven't received any resolutions yet, Please help me resolve this issue.
Product: Mortgage

Mr. Cooper, formally known as Nationstar, has for multiple years now charged me through XXXX XXXX XXXX for $ XXXX when my balance that I owed on my mortgage was between $ XXXX of XXXX and $ XXXX XXXX. I had called to their insurance department starting in XXXX to address this and every time I was turned away with the explanation we can not change this. In XX/XX/XXXX, my insurance increased substantially by another {$2000.00}. I called into Mr. Cooper and asked for the insurance department on XX/XX/XXXX at XXXX XXXX. I talked to XXXX followed by supervisor XXXX who was supposedly in XXXX, PA and addressed this issue as well as seeking credit for items that would create those credits on a 4 point inspection. Again, I was told they could do nothing about it. On XX/XX/XXXX, I talked to a XXXX and a XXXX in XXXX, TX at XXXX XXXX  about the same issue and requested information about XXXX XXXX XXXX XXXX. I was connected to a XXXX in XXXXXXXX XXXX who was in the claims department for XXXX XXXX XXXX XXXX who did not want to provide me with a phone number or address to this insurer nor connect me to their underwriting department. 

Every piece of information I tried to obtain from XXXX made me believe that there is no proper procedure in place to utilize this company. He was extremely evasive about any information I tried to obtain. 
I gave Mr. Cooper two more tries on XX/XX/XXXX at XXXX XXXX  talking to a XXXX XXXX and on XX/XX/XXXX at XXXX XXXX to another associate but had the same outcome, " There is nothing we can do ''. 

On multiple occasions when I dialed the number on the insurance certificate XXXX XXXX, I would always have someone identifying themselves as Mr. Cooper Insurance Company employee on the phone. This is against the law, to protect consumers against mortgage providers choosing an insurance associated with them or for other benefits.

As of today, nothing has changed in regards to lowering my insurance premium on top of me not being able to log on to my Mr Cooper account anymore. When I call in about that, they tell me to create a new account. I told them that I would need my old account due to legal reasons like tenure, data, old transactions, etc but they refused to fix the issue. 

Attached is the insurance certificate of XXXX XXXX XXXX XXXX that shows the phone number at the bottom left that which leads to a Mr. Cooper employee. Also a screenshot from the Mr. Cooper website in regards to the requirements for lender placed insurance clearly stating that you only require insurance for the remaining balance of the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Experian is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Experian about the theft of my Individuality and that the items were never mine, Experian never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX, XXXX XXXX
Product: Prepaid card

per my previous complaint ( case XXXX ), I am not sure why AE is expressing that I had less money on the card than what I actually had. The card was taking cents out of my account when I tried making purchases. I have an image of the actual balance that I had before I gave up attempting purchases. I can email the image to a representative. There is no way that I had $ XXXX {$50.00} on the card. I am not sure where that information came from, but I would like that false information resolved. I am glad i took an image before the card was cut off, because I wouldnt be able to prove my case otherwise.
Product: Debt collection

I pulled my credit report while house searching the other day and noticed there is a charge off on my credit from Capital One. I am requesting that this account be removed/deleted from all 3 credit reports. 1 ) I did not receive a 1099 C Form for this debt. Please send the 1099 form and full and complete letter of validation for this debt. 2 ) This account is showing on my credit as a charge off with all 3 Credit Bureaus ( XXXX, XXXX and XXXX. ) and all 3 credit bureaus are reporting differently which is inconsistent & inaccurate and illegal as well as in violation with the FCRA. 3 ) All 3 credit Bureaus are supposed to be 100 % accurate/consistent. 4 ) A charge off is considered income by IRS. Income can not be reported on a consumer report 5 ) Late payments are associated with this account as well as past due amounts which is illegal/inconsistent. 6 ) The last date of activity is different/inaccurate in all 3 bureaus. I have filed a complaint & disputed this with BBB this month and was told by Capital One it had been verified as accurate. That cant be so, as I have looked and found several inconsistencies amongst all 3 bureaus. 8 ) High balances are showing up different on all 3 bureaus which is inconsistent info. Please remove/delete this account from all 3 of my credit reports as it is in violation with FCRA Section 611, 15 USC 1681 S-2 ( a ) ( 1 ) ( a ) Thank you!
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. The debt collector that the original creditor sold the debt to took me to court and the judge dismissed the case after their lawyer failed to prove the accuracy of the debt. Attached is the final decision from the judge Here is the acoount I'm asking you to remove from my credit report. 
XXXX XXXX/ Galaxy international Purchasing LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX