23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have reported to credit bureaus that this woefully unprofessional and substandard mortgage company completely stopped reporting to credit bureaus as of XX/XX/year>. So, as of today, my account is {$2000.00} higher than what it should be. I must get this rectified asap bc it is adversely affecting my credit score and ability to get certain loan products for my businesses. XXXX XXXX bought my loan from XXXX XXXX  in XX/XX/year> and it has been downhill from there. Its customer service is appalling and I have little to no faith in dealing with them. Company has a litany of poor/bad customer ratings online and is seemingly inept or grossly mismanaged. Very frustrating to have an incorrect credit report with zero explanation as to why they stopped reporting on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

My issue is not with my mortgage company. After contacting them they corrected the inaccurate reporting ( 30 & 60 day late payments ). My issue is with TransUnion, the only credit reporting agency who hasnt updated my credit report/credit score. After three disputed filed with TransUnion they are still penalizing my credit score with this incorrect information. Their justification is my mortgage company verified the information, not true. Aside from them verifying it when it was first -inaccurately- reported.

If the other two credit reporting agencies have no issue correcting inaccurate information, without me disputing it, why cant TransUnion do it sometime between the three disputes they actually reported as investigating? They actually sent me an email notifying me I had cancelled the last one - also inaccurate.
Product: Money transfer, virtual currency, or money service

It started off in XX/XX/XXXX I deposited {$1000.00} ( one of 5 deposits ) from my XXXX XXXX XXXX to Coinbase & I bought {$1000.00} XXXX XXXX. Even after my bank cleared funds. Rather than XXXX hold and clear funds for 7- 10 days, they held my coins hostage for 21days in some cases. 
I got notification from Coinbase that Attached is the Email Verification. 
Subject line : Your available balance has increased by {$1000.00} USD. Logged in and Money was not there. 
I called their customer support XXXX said the funds would be available XX/XX/XXXX... 
another rep XXXX said the funds were released, Logged into my account XXXX acct. 
and I don't see the money available in my account.The deposit showed up into my account But I NEVER had Access to it ... it Disappeared ..I have called and emailed in almost a dozen times with different case numbers each time. 
Coinbase is always experiencing major outage as crypto prices plummet..and they hold your funds hosttage. 
They holding customers funds without access, causes loss and financial hardship. If your funds are held to clear, and you have no access, how could it loose value? 

XX/XX/XXXX they tried telling me to go and download the PDF history, I did, it shows my deposits BUT cant show the $ $ value of account at or after any transfer transaction in US dollars out of Coinbase..I have asked for them to locate and explainwhat happened in my account and all I get is look at the PDF It reflects $ amts when Bought but does not disclose the $ value when sent.So customers are at a loss.

By the way I only had access to {$4000.00} of the {$5000.00} I deposited Within XX/XX/XXXX to XXXX a $ XXXX XXXX acct lost $ XXXX? 
Also Coinbase holds our Coins eg. XXXX for unreasonable amount of time even when the banks shows funds are cleared. Customers are not able to access coins to trade to avoid market drops, causing hugh loss.They need to restore my Funds and other customers as well. 
All I want is them to stop cheating, holding our funds Hostage and refund mine and the many customers that has lost $ $ with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requesting a phone call. Locked out of report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My dispute was submitted XXXX for sun loan..it was supposed to be completed XXXX  it has been over 30 days there for Transunion is violation of the FCRA
Product: Credit card or prepaid card

I received an alert, that I had a hard inquiry on my XXXX  credit report on XX/XX/2019. I viewed it and it was from Chase Card. I contacted the business the following day, informing them about the alert and the fraudulent hard inquiry and was told to dispute with XXXX. I did not dispute with XXXX, because I have a fraud alert attached to my credit report, because of previous fraudulent activity and any company that receives an appliication is to contact me and Chase Card did not.
Product: Bank account or service

my money went to an account at the navy federal credit union on XXXX XXXX 2015 without my knowledge from a tax service called XXXX XXXX XXXX my refund was supposed to come by mail but XXXX XXXX XXXX stole the money i contacted their bank to let them know about the fraud on XXXX XXXX they assured me my money was in that account and was awared of the fraudrulant that XXXX service put my check into that account i was corresponding with the bank up until XXXX XXXX 2015 and i went to the brach in XXXX mississippi and sat there and they pull up the account and seen again tht my check was in the account and they told me the aacount was frozen and that they would send the check back to the I.R.S because they could not issue the check to me they also said that XXXX XXXX XXXX could not touch the money the bank had me to go back to the I.R.S to get a form XXXX for the I.R.S to sign i did that and the navy federal fax the letter to their sercurity department i also have a copy of the letter so on XXXX XXXX the IRS sent me and the navy federal bank a letter of trace for the funds the navy federal bank has in that account i called the bank and ask have they recieved the letter they said yes and i ask the bank when will they send the check to the IRS. the bank told me their is no money in the account to send to the IRS i told the bank that is impossible because the money was in the account XXXX XXXX 2015 when i went to the branch in mississippi and when i was told the account was frozen because they was investigating that account they also told me that the IRS took to long to send them what they needed this bank has been rude to me about my money and also its a back and fourth situation with that bank and their security department i talk to my bank about my rights and the precedure of how navy federal credit union should have follow the precedures in handling this probelm they should have sent the check back 7 days prior to me calling on XXXX XXXX 2015 when i made brought it to their attention and they gave me a call today XXXX XXXX 2015 to dicuss the probelm i told the young lady everything that happen and she got back with me and told me she can not dicuss the matter with me anymore she gave me a number to get in touch with the IRS advocate so i ask her for what their bank has my money they wont give it back and i want some anwers because i have documents that they ask me for in the beginning and they had a nerve to say its a civil matter and thats not true because like i said this probelm was going on for almost 3months the IRS said the bank supposed to send them the check back it should not have went this far and also they said that XXXX XXXX XXXX on XXXX XXXX 2015 could not touch my money so where is the XXXX that they promised me i would get bank i need help with this probelm i even talk to the bank manager and he was rude also i want to go all the way to the head command they wont answermy questions anymore
Product: Debt collection

FIRSTPOINT COLLECTION RESOURCES , INC . 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX CO XXXX XXXX To : The Office of Registered Agent for FIRSTPOINT COLLECTION RESOURCES , INC . 

From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party XXXX Collector XXXX XXXX passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX XXXX XXXX, Title XXXX XXXX XXXX, Regulations Z, Regulations M and ALL applicable XXXX Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

By : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I resolved and settled my XXXX account with XXXX XXXX. Which means my account should no longer reflect in collections on my credit reports. As the account is not in collections any longer.
Product: Credit card or prepaid card

). I have had repeated dispute filings and several correspondences with representatives of Citi to try and resolve my issues with these false charges, many times thinking this issue was resolved. These letters indicate the closing of disputes for charges applied to my credit card ending in XXXX, from XX/XX/XXXX to XX/XX/2019 by reversing my credits.   These charges of $XXXX have been fraudulently appliquéd by XXXX XXXX” and charges of $XXXX charged by “XXXXCiti customer service has repeatedly denied my explanations of not ordering these products. I never received anything from these companies and can n ot understand how Citi can deny it own customers explanation yet accept suspect institutions.  How can one accept delivery of a product before it's even delivered?
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payment associated with my account. Upon meticulous review of my report, I have identified instances where late payment have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the bank linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payment. It is perplexing to me that while other credit bureaus have already rectified the status of this account, your bureau continues to report this late payment. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

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

Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish the account without my written instructions under 15 USC 1666B accreditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Dear representatives of the Consumer Financial Protection Bureau, I need your help in removing fraudulent account from my credit reports. This account was previously deleted in response to my requests but has reappeared again. 

According to the Fair Credit Reporting Act ( FCRA ), once an account has been removed from my credit report, it should never reappear without my consent. 

I kindly request that you take immediate action to remove this account from my credit report in accordance with the FCRA : Account : XXXX XXXXXXXX - XXXX XXXX XXXXXXXX - XXXX - XX/XX/year> - {$29.00} I hope for a prompt and effective resolution to this matter. 

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

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX  XXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, and XXXX XXXXXXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXAsset Amount : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING THIS FRAUDULENT ACCOUNT : XXXX XXXX XXXX I XXXX ON MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

Ive disputed multiple XXXX XXXX accounts with experian after XXXX  XXXX put a bunch of stuff on my report from cards I never had possession of even after providing proof I didnt have any cards and that XXXX XXXX admitted to never sending me anything experian investigated for all of 12 hours and said yep this is your debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I've wrote several letters to Equifax about an account that's fraudulent on my credit report, which has yet to be removed. This has hindered me from purchasing a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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
Product: Payday loan, title loan, or personal loan

I called the company on XX/XX/10 and spoke with XXXX. I called to find out the pay out for my loan. She advised me that {$490.00} was the pay off as of XX/XX/10. I advised her that I would pay it but she stated they charge me a 5 % fee ( even though my payments were on auto payment with no fee ). I asked why I was being charged a fee to pay off earlier but not if I allow auto payments to clear. She stated they waived fee for payday payments but not for additional payments. I asked if I were to pay cash in person if I could do so. Was advised yes. So I asked if I could put in the drop box would I have to pay additional fees. XXXX advised me that the interest accuses daily and if I dropped in the box on XX/XX/10 I would not pay the additional day. I sent my husband to drop in the box on XX/XX/10 at XXXX pm. I reached out to the company to follow up and ensure they received my large payment. I spoke with XXXX who advised me that I have a balance for an additional day of interest. I advised that I spoke with XXXX and she told me I would not be charged as long as it was dropped in the box by the XXXX. XXXX reaches out to her supervisor who told her they would waive convenience fee of 5 % but I was still responsible to pay the interest. If payment was not paid on interest, I would continue to accumulate interest on the interest. I asked XXXX to have her regional manager call me. XXXX called me and apologized but stated they would not waive the interest and she would listen to the call. She stated I would accrue interest on the interest daily if not paid. I called XXXX back to pay the balance but this is not the first time I have been advised one thing and than have to pay additional fees because of misinformation. I want my additional day of interest refunded as XXXX told me if dropped in box by 10th no  additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian along with the creditor for more than 3 months it is now going on 150 days where i have requested an original instrument contract bearing my signature. Ive asked both parties to send this information and none have been able to send this information. I am unaware of the fraudulent accounts and i have sent documents when asked of me but i haven't received any original contract with my signature. 1. Dept of EducationXXXX & 2. XXXX XXXX 's. I don't recall applying for any credit or finance. I have only applied for credit in person. I have filed an FTC, i have filed a complaint with the XXXX XXXX XXXX, i have contacted the Attorney General office and have filed a lawsuit on all three parties for slandering my name and credit file. I have asked Experian, to provide such instrument contract of originality with my signature but they have failed to provide me which such documents. All 3 parties have violated The FCRA sections 609, 605, 611 and many more. I won't accept this to continue any longer. I have been treated unfairly, i have been harassed by telemarketing numbers by creditors and credit bureaus. As i dispute the accounts before they were removed but placed back on my credit file. I never agreed to either companies or parties accessing my credit without my authorization with neither accounts. I have asked Experian for the procedure that was taken and how the steps are taken to exactly investigate the accounts properly but i was hung up on the phone, they denied me access and treated me like a criminal at times. I am in distress and saddened to see that we are in a battle war with the credit bureaus and creditors. No one can say an account is yours if they don't have any evidence that you signed for it. I never signed any applications in person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Report #  XXXX  Following accoutns were reported as fraud, a valid ID theft report was taken and submitted for the following accounts :  XXXX   XXXX   XXXX  Balance {$10000.00}  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  {$7100.00}   XXXX   XXXX   XXXX    XXXX  {$7100.00}  XXXX   XXXX
Product: Debt collection

They call me multiple times a day from different numbers. Dates include XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23. This has been occurring for six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that I XXXX XXXX am submitting this complaint and report of ID theft on my behalf there is no third party involved in this complaint. The following was not submitted in error.This is complaint is not to be opened as a dispute of any kind there has been no error made by the documents contained herein this complaint. Pursuant 15 U.S. Code 1681c ( 2 ) ( a ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. Included you will find FTC identity theft report, Identity theft Affidavit, Police Report, copy of ID, Utility Bill and Social Security Card. I ask that you comply with Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries, and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), and mail me a new credit report to my address of record below and place EXTENDED FRAUD ALERTS on my credit report if you have not done so already. Equifax does not have my permission to furnish a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Debt collection

On X/X/17, Transworld collection agency called a random contact from my cell phone. This contact was a friend who is in bed with XXXX. This debt was not valid and was waived supposedly by the original company. Should not have even reported in the first place. However, Transworld called multiple times a day on my phone and my husband 's phone. They used many different phone numbers, that were untraceable, and could not be called back. When I ask them about the friend that they use to track down, they said they used skip tracing, and will not transfer me to a supervisor or manager. This is illegal, and we were harassed for three months by Transworld.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine. " PUBLIC RECORD U.S. BANKRUPTCY COURT ''
Product: Debt collection

I am writing to formally dispute several unauthorized credit inquiries listed on my credit report. I have reviewed my report and identified inquiries that I did not authorize, and I request an investigation into their legitimacy. If the inquiries can not be verified with evidence of my consent, I request that they be removed immediately. 
Below are the details of the inquiries in question : Company Name : Spring Oaks Capital LLC Date of Inquiry : XX/XX/year> Amount : {$970.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. If these inquiries can not be verified as authorized by me, I request their removal. 

Thank you for your time and attention to this matter. I look forward to your response and resolution within the XXXX period required by law.