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

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 )  ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Experian after being notified by XXXX XXXX XXXX to delete the account, allowed reinsertion under XXXX name ( Same exact credit card account ), and did not notify me about the reinsertion within 5 business days, in a breach of the above FCRA section.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope these disputed account are updated. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase. On XXXX, I withdrawed XXXX XXXX XXXX of EUR from my account. The funds were supposed to be transferred to my checking account within 3-5 business days. As of today ( XXXX ), I have still not received the payment. I have tried contacting Coinbase via email and customer support multiple times to inquire. The company is completely unresponsive except for automated replies that do not address my issue or answer my questions. I need the money and Coinbase is profiting from the float. 

Coinbase Account name : XXXXXXXXXXXX Multiple users are already impacted as of all the complaints here Please help! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to XXXX, XXXX and Transunion requesting that they correct this mistaken account being stated on my XXXX XXXX because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on Decemebr XXXX, XXXX, and to notify them that I am halfway to taking lawful action and litigate XXXX, XXXX and Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : XX/XX/XXXX
Product: Debt collection

I didn't receive notice of right to dispute. Federal law governing the collection of debts require a debt collector to include this in their initial communication ; ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be ASSUMED to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Dovenmeuhle has violated the FDCPA and I have included the initial communication that proves it failed to comply. Without knowing I had the right to dispute any alleged debts, I relied on information provided by the Consumer Financial Protection Bureau for guidance. 

Based on the federal laws of the FDCPA, this notice would not have been included if the consumer has paid the debt. I do not intend to pay a corporation that is not able to provide me verification ( XXXX XXXX XXXX ) of the alleged debt, by mail. 

DOVENMUEHLE MORTGAGE INC. ( DMI ) is a debt collector defined under 15 USC 1692a ( 6 ) ( F ) ( iii ). Under the FDCPA Creditor and Debt Collector are mutually exclusive. DMI stated, " language reading debt collection was included as, at the time your loan was transferred to our office, it was still reflecting due for its XX/XX/2022 payment. This is the standard verbiage used by our office on correspondence which may be sent to borrowers on non-current loans. '' 15 USC 1692a ( 6 ) ( F ) ( iii ) explains in further detail who DMI is in this consumer credit transaction that it purchased in a commercial deal between XXXX XXXX XXXX XXXX XXXX and XXXX.
Product: Credit card or prepaid card

My XXXX year old son son was given a prepaid Visa gift card issued by Vanilla in the amount of {$50.00} last year ( XX/XX/XXXX ) by a friend for his birthday. The card was in a sealed tamper proof holder/envelope. We just opened the card today ( XX/XX/XXXX ) and I called in to get the balance and an automated system told me the balance is {$1.00}, so almost the entire balance has been drained by Vanilla or the issuing bank in less than a year and a half. The gift card package says the only fee is a {$4.00} purchase charge the first time its used, the expiration date on the card and packaging is listed as XX/XX/XXXX, and there is no other indication that usage/account fees or charges would apply, so we had no idea this company would drain the balance before the card was ever opened, activated or used. When I attempted to call Vanilla to speak with customer service and inquire whether there had been any charges and to complain about whatever fees they have withdrawn I got an automated system and was out on hold for half an hour before I gave up. Also, I could not locate a way to email them or otherwise contact customer service on their website. When looking through the printed materials/warranties provided with the gift card, there is no fee schedule listed ( only the purchase fees are listed ). This company is withdrawing fees before cards are even activated and not clearly indicating that fact on their packaging or even in their warranty materials, and is not a available to field inquiry calls or complaints. My son has lost virtually his entire birthday gift to these predatory practices.
Product: Student loan

I am on an ibr plan with navient. Ive been making monthly payments and my balance continues to increase. I see that they have multiple suites and they did have me in forbearance for a long period of time which should have probably been I 've at that time as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some negative items in my credit report and dont belong to me XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below have violated my federally protected rights to privacy and confidentiality under XXXX U.S.C. XXXX. Section 602 ( a ) XXXX my right to privacy, while Section 604 ( a ) ( 2 ) explicitly prohibits consumer reporting agencies from furnishing account information without my written instructions. Additionally, Section 1681c ( a ) ( 5 ) states that no consumer reporting agency may include adverse information, other than criminal convictions, that predates the report by more than seven years. Furthermore, Section 1681s-2 ( a ) ( 1 ) prohibits any person from providing information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. I request a thorough review of the accounts listed below and demand that any unverifiable or inaccurate information be removed promptly to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to update my XXXX XXXX # XXXX account. This account is not in deferment and should be reflecting my full payment history. I have not missed any payments. There are several months of missing payments. Because my monthly payments are not reporting it's affecting my credit score. All 3 credit bureaus have almost a year of missing payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # 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 ( XXXX XXXX  : Act # XXXX ) XXXX : Opened, N/A : Reported, Unknown : Condition Balance : {$310.00} ( XXXX XXXX. # XXXX ) XX/XX/2017 : Opened, XXXX : Reported, Closed : Condition Balance : {$13000.00} ( XXXX XXXX XXXX. # XXXX ) - XXXX : Opened, XXXX : Reported, Unknown : Condition Balance : {$880.00} XXXX XXXX, Contact : Not Available ( XXXX  XXXX, Contact : Not Available ) ( XXXXXXXX XXXX XXXX  Act. # XXXX ) XXXX : Opened, {$13000.00} : High Balance, {$14000.00} : Balance, Installment : Account Type, Open : Condition, XXXX : Reported, {$390.00} : Payment
Product: Credit reporting

Please help I have done my best to contact Equifax about the fraudulent items on my credit report. The refuse to acknowledge my request. I need your help to have them full fill the request. I read on my local police departements website that I should speak with you if Equifax does not comply. XXXX and XXXX XXXX XXXX are accounts that have come onto my credit file as a result of identity theft. Please remove these items. I am making this complaint against Equifax because they will not help me as is required by law. 

I will attach the same items I previously sent Equifax that they blatantly ignored.
Product: Credit card or prepaid card

The dispute began on XX/XX/2019 for {$XXXX} with XXXX XXXX this is when I called BOA ). I went to XXXX to purchase a BBQ smoker but the box contained only half of the products inside. When I went to return the product they said it cant be returned since half of the things were missing. SO I was stuck disputing it. 



Bank of America claims a letter was sent out XX/XX/2019 for more information but I have not heard a single thing from them, I asked them if they called and they said yes on XX/XX/XXXX which is way over 60 days later and also thats the exact day they reversed the charge and put it back on my account. 

They were rude to me, made me wait through 45-50 min phone call waits and kept transferring me from one person to another. I want to take them to small claims court. 

They have passed there statue of limitations and then claim its my fault that the claim was against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX    XXXX    XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off my credit report.
Product: Debt collection

I have a false debt collection on my credit report which i have no idea about. I would like it to be removed. I do not have debts to pay.
Product: Mortgage

I have a mortgage loan with Banco Popular for an apartment located in XXXX, XXXX XXXX. My original mortgage loan was with XXXX XXXX but, a few years ago, Banco Popular became the loan servicing company. I originated my loan on XXXX/XXXX/2006 for {$160000.00} and the outstanding balance to date is {$140000.00}. 

I am writing because the current loan balance appears to be greater than the appraisal value of the apartments in my complex, therefore, I am being unable to sell the property to cover the mortgage loan. When Banco Popular became the loan servicing company, I contacted them to try to reduce my monthly payment and see if any modifications could be made to the loan based on the new initiatives created by the government to assist homeowners in my situation. The bank representative stated that my only option was to refinance my loan but that would have resulted in a higher principal and additional closing costs. 

Currently, I am seriously considering transferring my property to Banco Popular in payment of my mortgage debt since I will not be able to renegotiate my monthly payments. My only concern is that this would significantly affect my credit. I am writing to the Consumer Financial Protection Bureau as my last resource before making the final decision.
Product: Debt collection

NATIONAL CREDIT SYSTEMS IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Vehicle loan or lease

XX/XX/2023 XXXX XXXX XXXX of XXXX, XXXX  Not only ran too many Credit inquiries sometimes to the same Finance company, But they sold me a Service Contract that I made extremely clear I did not want to purchase. When I put my foot down the Finance XXXX XXXX, insisted Ally Financial required a Service Contract. 

After my Hospice visit to XXXX, I returned to XXXX  and called Ally Financial who informed me that I should not have been forced to purchase a service agreement, nor was it a prerequisite for them to accept the Loan. 

XXXX  DOJ Consumer Relations contacted this Dealer and negotiated an adjustment. 

The Dealer did not re-write the Loan Contract, but instead sent a Check to them for {$1800.00} ; negating the Taxes on this amount. 

I sent an email to the Manager and he refused to rewrite the Loan, by saying " not gon na happen ''. 

XXXX also failed to asked whether I would prefer to pay cash for the Registration Fees, instead they included this inflated amount into the Financing.

Now I am paying an inflated Interest Rate Due to multiple inquiries ; undue finance charges due to unnecessary charges. 

And, the Dealer had me driving with an expired Temporary Tag because they did not register the Vehicle in a timely fashion. I had to get XXXX Dept. of Motor Vehicles to get this Dealer to provide me the Tracking # so the XXXX  DMV to trace my documents. 

A complete stressful, nerve-racking nightmare.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit report from your bureau. Specifically, I am disputing the details regarding XXXX XXXX XXXXXXXX XXXX XXXX listed as a charge-off on my credit report. 

Inaccuracies and FCRA Violations : 1. Inconsistent Date of Last Activity : The date of last activity for this account is inconsistently reported across sections of the credit report. One section lists the last activity as XX/XX/year>, while another lists it as XX/XX/year>. This violates the FCRAs requirement for accuracy in credit reporting. 
2. Unreported or Incomplete Payment History : My report indicates No data available for payment history on this account, which is inaccurate. This account had prior payments before it was charged off, and those should be reflected in the payment history. Reporting incomplete information violates my rights under the FCRA to have accurate and complete information. 
3. Discrepancies in High Balance : The high balance of the account is reported inconsistently. In some sections of the report, the high balance is shown as {$10000.00}, while in others, it is either not specified or appears incorrectly. This inconsistency again violates the FCRAs standards for accurate reporting. 
4. Outdated Dispute Remark : There is a notation of Consumer Disputes Reinvestigation in Progress. If the reinvestigation is complete, this remark should be removed. Leaving it on the report unnecessarily could unfairly impact my credit standing. 

Requested Action : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. Please conduct a thorough investigation of this matter. I request the following : The removal or correction of the date of last activity to ensure consistency across all sections. 
An update to reflect the correct payment history prior to the charge-off. 
The correction of the high balance amount to consistently show {$10000.00} or the accurate amount across all reports. 
Removal of the outdated dispute remark if the reinvestigation is complete. 

Please conduct this investigation and provide me with a written confirmation of your findings and any updates made to my credit report. Should this account not be verifiable or if these inaccuracies are not corrected, I request the removal of XXXX XXXX XXXX charge-off from my credit report as required by law. 

I have enclosed a copy of my credit report, highlighting the relevant information, along with any supporting documents for your reference. 

Thank you for your attention to this matter. I look forward to your prompt response within 30 days, as required by the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their disute resolution process was unfair and deceptive, as they did not complu with error resolution process was unfair and deceptive, as they did not comply with eorror resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvienience and financial loss, and I seek appropriate redress for these violations.