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

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. 

I have repeatedly requested in writing that XXXX remove Possible Finance from my credit report. Per 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' However, the information on my credit report does not meet this standard as it is inaccurate and incomplete. 

Account # XXXX on XXXX Account # XXXX on Experian Additionally, according to 15 U.S.C. 1681i ( a ) ( 5 ), consumer reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information in their file. If the information can not be verified, it must be promptly deleted or corrected. Given that the items listed above have infringed upon my rights to privacy and confidentiality and fail to comply with the FCRA 's reasonable procedures
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an authorized and unverified credit inquiry on my report unbeknownst to me. When I tried to have it removed, Equifax refused to remove it from my report after numerous attempts.
Product: Mortgage

I contacted Loan Depot in XXXX because we refinanced our loan with them and the Taxes for the property were disbursed in the refinance ( See the XXXX and XX/XX/XXXX showing Title company paid ). {$600.00} was received by XXXX on XX/XX/2020 per the County. I contacted Loan Depot because they also issued a check from our escrow account on XX/XX/2020 to pay the same taxes. I advised them that XXXX 's check was received 1st and cashed by the county to pay the taxes. I requested they refund us for the {$600.00} sent to pay the same taxes and disbursed from escrow on XX/XX/2020. At that time, the representative I called said that the county would refund the check to them and they would send it to us. I waited 30 days and called again in XXXX as well as using the secure mail within the account. The responses were illegible and by calling I was told it would take some time. I found additional resources on their site and I faxed the documents to their escrow department because the customer service email would not accept the documents and I couldn't speak to anyone by phone to get the issue resolved. I asked for status and 7 days later I was thanked for my inquiry. I followed up again in XXXX and was told 7-10 days. It is now XXXX and I don't have status. The documents attached show that Loan Depot issued Taxes from our escrow account on XX/XX/2020. We refinanced with them and on the XXXX it shows taxes were also paid.
Product: Money transfer, virtual currency, or money service

I sent XXXX BITCOIN from my XXXX XXXX XXXX XXXX XXXX on XX/X/2017 at XXXX XXXX central time. I received notification from Coinbase via email that I received XXXX BITCOIN and that it should be available after 6 network confirmations. 

I have yet to receive my BITCOIN since I was notified on XX/X/2017 that my currency would be placed in my virtual wallet. According to XXXX, there is currently over 3218 confirmations on the block chain, which far exceeds the required 6 to confirm the transaction with Coinbase/XXXX. 

Please review this link : XXXX XXXX  XXXX I have sent approximately 20 emails to XXXX support and 20 emails to Coinbase support, one per day per each support service. I 've also made approximately 5 phone calls to live phone support at Coinbase and at XXXX. The most that anyone has been able to tell me is that my support ticket will be escalated to a specialized agent. An agent has not gotten back to me to resolve my problem. 

Enclosed are screen shots of my PENDING transaction. It is clear that I have gone through the requisite number of confirmations for the transaction to post in my XXXX/Coinbase account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I purchased some floor tiles from XXXX XXXX XXXX To make this purchase I opened a new XXXX XXXX XXXX credit account which is actually a credit account thru XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Account # XXXX The tiles that I purchased were delivered broken and some were unusable. I contacted the merchant for weeks to attempt to resolve the issue but they refused to provide replacement tiles to me. As such I mailed their company a letter informing them I would not pay any balance due until the matter is resolved. 

I then contacted XXXX XXXX  by letter informing them I disputed the entire balance due and that I wanted them to communicate to the merchant that I was refusing to pay the balance because they had not delivered all the tiles as promised. 

This was in XXXXXXXX XXXX XXXXXXXX. I waited three months for a reply from XXXX XXXX  only to be told they never received my dispute in the mail and that I needed to start over and send all of my information again. 

In XXXX XXXX  XXXX I provided XXXX XXXX  all of the documents again including my explanation letter describing my dispute and the bank acknowledged they now posses my dispute. 

It is now XX/XX/XXXX and XXXX XXXX  has still not resolved this matter however XXXX XXXX  has started reporting late payments to the three credit reporting agencies and my credit score is dropping drastically. 

It has been over 6 months since I first disputed this issue with the bank and it is totally unfair that they have yet to resolve this matter. I have provided them clear photographic evidence that the tiles were broken, this should be an open and shut case in my favor. 

I need assistance getting XXXX XXXX  to finally act and resolve my dispute. 

I should also mention I have used the tools the credit agencies provide to dispute this account on my credit report but they always just indicate the account information is accurate and do nothing. 

The information *is not accurate and I do not actually think any real attempt is being made to rectify this issue by the three credit reporting agencies. 

Thank You in advance for any help you can provide me. 

XXXX XXXX
Product: Checking or savings account

Chase bank closed my account after my debit card was stolen, I reported it was able to get the money back into the account just in time for chase to lock me out of it. They said they have to do an investigation before they will release any money, thats my bill money Im dead in the water.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 3 Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

I owed money to a roofing company. The roofing company turned the debt over to Bowen and Associates collection agency. Bowen and Associates called me to collect the debt. I gave them a check over the phone and paid the full amount. Bowen and Associates never paid the money to the roofing company. Now the roofing company has sent me a demand letter for the money and threatened to sue me. The debt was paid but Bowen and Associates stole my money.
Product: Credit card

I have had a Credit Card from Comenity Capital of XXXX, allowed two fraudulent charges from the same fake company XXXX XXXX XXXX TWICE STOLE {$1700.00} total they falsely XXXX {$860.00} i disputed it then it happened again this week by same company XXXX {$860.00} the bank still has not refunded me the full amount of {$1700.00} The Bank admitted they errored but still has now refunded
Product: Credit reporting

I received a XXXX showing the cancellation of the balance with my creditor. I disputed the balance on my credit report because it was still showing the full balance when it should now show as zero. I received notification on XX/XX/2016 with a letter dated XX/XX/2016 that it was investigated and the balance was set to zero based on the info I provided. Then on XX/XX/2016, they changed the balance back to where it was before. No notification. I only found out because of a credit alert with another company. They also somehow changed my last name to a typo. Not sure where they got that information.
Product: Debt collection

Conserve has inaccurately reported to the credit bureaus a debt by XXXX that was due to fraud and identity theft. XXXX has active and valid police reports and FTC ID theft reports as recommended by the police department which they have failed to honor by law. Conserve is violating my rights under FCRA section 605 ( A ) and ( B ) prevention of identity theft and fraud to be blocked from reporting on a consumer credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Credit Inquiry Dear Sir or Maam, I reviewed my credit report from Transunion and noticed that the report has credit inquiries that I did not authorize or are from a business credit request that should not reflect on my personal credit according to consumer law and the FCRA. 

XXXX XXXX XXXX ( Finance ) unauthorized XX/XX/2023 XXXX XXXX  ( Bank ) ( Buisness ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 ( buisness ) XXXX XXXX XXXX ( Finance ) XX/XX/2023 I request you to investigate and remove the inquiries as soon as possible. In case you come across evidence that counters my claim, I request you to please send me a copy. Thank you for your diligence in looking into this issue. 



Sincerely, XXXX XXXX XXXX XXXX XXXX ( Finance ) unauthorized XX/XX/2023 XXXX XXXX ( Bank ) ( Buisness ) XX/XX/2023 XXXX XXXX ( Bank ) XX/XX/2023 ( buisness ) XXXX XXXX XXXX ( Finance ) XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

XXXX took over the loan from XXXX XXXX, they lied and said they were servicing the account however, XXXX XXXX XXXX closed on my credit report and XXXX  is now listed. XXXX then closed and reopened the account dropping my credit score by over 50 points.
Product: Credit reporting or other personal consumer reports

I am writing to demand a reinvestigation of the fraudulent XXXX XXXX accounts ending in XXXX and XXXX that remain inaccurately reported on my credit file. I have disputed these accounts multiple times and provided ample evidence proving that they were opened without my authorization due to identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct reasonable investigations into disputes and remove unverifiable or inaccurate information. However, your continued reliance on XXXX XXXX claims, without independently verifying the facts, constitutes a failure to meet your legal obligations. 

Key Facts and Evidence Provided XXXX. These accounts were opened as a result of identity theft. 
XXXX. I submitted the following evidence in my disputes : A police report documenting the identity theft. 
An FTC Identity Theft Report. 
Court dismissal orders related to lawsuits concerning these accounts. 
XXXX. XXXX XXXX has refused to accept the fraud claims despite the overwhelming evidence, and you have mirrored their position without conducting an independent investigation as required by the FCRA. 

Your Obligations Under the FCRA Under 15 U.S. Code 1681i : 1. Reasonable Investigation : You are required to conduct an independent and thorough investigation of disputed information. Simply relying on the furnisher ( XXXX XXXX ) is insufficient. 
XXXX. Correction or Deletion of Information : If the disputed accounts can not be verified, they must be removed from my credit file.

Demand for Action I am demanding that you : 1. Conduct a reinvestigation into these accounts, independently verifying the evidence I have provided rather than solely relying on the claims of XXXX XXXX. 
XXXX. Provide me with a detailed explanation of the methods and findings of your investigation. 
XXXX. Immediately remove the fraudulent accounts from my credit file if they can not be verified as legitimate. 

Failure to Comply If you fail to properly investigate this dispute and remove the inaccurate information, I will escalate this matter further by : 1. Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

2. Taking legal action under the FCRA, which allows for statutory damages, punitive damages, and attorney fees for violations.

For your convenience, I have attached copies of all supporting documents, including : A copy of the police report.

My FTC Identity Theft Report. 
Court dismissal documentation. 
Correspondence with XXXX XXXX regarding this matter. 

Next Steps You have 30 days to respond to this dispute and notify me in writing of the results of your reinvestigation. I expect full compliance with the FCRA and immediate action to resolve this issue. 

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

I am writing to formally request an investigation into a collection account that appears on my credit report, which I am unaware of and believe may be erroneous. The details of the account are as follows : Creditor : XXXX XXXX  Account Number : XXXX Sold to : Portfolio Recovery Account Number : XXXX To the best of my knowledge, I have no outstanding debts with XXXX XXXX, and XXXX have not been notified of any such debt. Therefore, I am concerned that this collection may have been reported in error, or it may be a case of identity theft or fraud. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I kindly request that the CFPB investigate this matter promptly. Please verify the legitimacy of this collection account and provide me with all relevant information, including the original creditor and any documentation that proves the validity of this debt. 

Enclosed with this letter, you will find copies of my identification and a recent credit report showing the disputed account. I would appreciate your prompt attention to this matter and look forward to your response within 30 days as stipulated by the FCRA. 

Thank you for your assistance in resolving this issue.
Product: Credit card or prepaid card

Chase misleadingly signed me up for a prepaid account. I thought it was a checking account. Also i used the card to withdraw {$5000.00} cash on XX/XX/XXXX and then online to pay dmv fees on XX/XX/XXXX. The charges online for hotel and online shopping auctions as XXXX XXXX and XXXX charged over {$17000.00} and i called chase immediately made a claim was told 90 days never heard from them called multiple timea to be put on hold for hours with no solution. Im furious and feel i should not be treated this way for theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a security breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Mortgage

So basically I went into Forbearance mid XX/XX/XXXXdue to some issues my business encountered. I called in to XXXX  ( representing USAA bank ) in XXXX investigating the process to migrate to a deferall. The guy on call sorta jumped the gun and submitted me for the deferral before end of call once realized what he had done I freaked out and he cancelled it and was supposed to have a manager call me. I forget exactly the sequence after then if the deferall was properly cancelled or I was recorded as late cause didn't comply with, the logic was why come out till firmer on financial footing and was allowed 12 months. Anyway, In say XXXX or so I called raising XXXX and got to speak to manager or supervisor that seemed like they have it under wraps and would be able to pursue the deferral. I then actually even did another loan after that and during that process ( XXXX ) called in to discuss and came up again and was under impressions would be able to do deferral and to just start making payments in XXXX. I did this. My payment was rejected by XXXX and returned. I then received a note I had been approved for a mortgage modification. I only wanted the deferral. i don't want my credit damaged and my understanding was that during the Covid Forbearance there was not interest acruing on the missed payments. I basically want to do the deferral to protect my credit and think I should not pay extra interest penalties/ due to modication, but they actually increased my principal balance like XXXX. I have called into XX/XX/XXXXand had 3 requests for manager to call me back but have gotten none. One from XXXX and two recently. I fell like this is just going to go into foreclosure before they ever respond. I am told I must accept the modification or go into foreclosure, but all I ever wanted was the deferral at end of my forbearance and they fumbled this so many times and have folks on the phone who can't cover the details of these programs in details which makes it more tricky and confusing. I am sitting on the phone with XX/XX/XXXXnow again for the 4th time in weeks. Please help. -- I have been waiting over 30 minutes so the XX/XX/XXXXagent just came back had to disconnect ( extension XXXX / XXXX ). this was my 4th attempt to escalate now and look at the results.
Product: Credit card

Mattress firmXXXX XXXX synchrony bank. 
XXXX XXXX XXXX  said he needed my SSN so he can do a soft pull on my credit to make sure I have good credit. I was never made aware that I was applying to a credit card and that the company under would be mattress firm. I called a phone number provided by XXXX credit report and found out that I have a credit card that I never authorized to open.
Product: Debt collection

I filed a complaint against medicredit. They answered my claim but did not send me any proof of verification. Once again I am requesting that you validate the debt. Im asking for you to provide me with what I asked for initially. They also never sent proof that I could as for debt verification.
Product: Mortgage

I had a 2nd mortgage that was forgiven in XXXX. Somehow Trinity got copies of my mortgage instrument which does not show any assignment to them. They first sent me a letter for approximately {$2000.00}. Then for each letter they sent me, they charged {$500.00} per letter. They finally attached to the title of my house. They just did this in XXXX. I had never heard from this company and they attached to my house for {$18000.00}.
Product: Mortgage

company has responded with ... 
Thank you for submitting the requested documents. Please submit pages 1 & 2 of bank statements for XX/XX/2018 -XX/XX/2018. 

Please note we must receive the requested documents in order to have a complete package and be review for a modification. 

then they responded with another email to disreguard the previous email. I had the impression that the documents i submitted was enough to satisfy them. 
i have not heard back from them at all. 
i submitted all that they required me to submit. A hardship letter. Tax returns. income. divorce decree. And more. they had me fax all the paperwork to them. they have not responded back to me Statebridge Loss Mitigation Mailbox Loss Mitigation Statebridge Company XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX ( p ) | ( f ) ( XXXX ) XXXX ( Toll Free ) XXXX XXXX statebridgecompany.com
Product: Debt collection

It has come to my attention that Mariner Finance has acquired and shared my information to other companies without my written permission. According to XXXX XXXX XXXX  - Permissible purposes of consumer reports, any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX  ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of XXXX XXXX XXXX ( a ) ( XXXX ) Infringed Upon a Consumers Right to Privacy.

Furthermore, this account is reporting negatively on my consumer report when it is paid in full. On my XXXX and XXXX is it reporting as a derogatory mark which isn't accurate and is hindering my consumer report.
Product: Checking or savings account

i opened my nonprofit bank account with that bank and verified my business on XX/XX/XXXX, after few months the bank provide me an option to open a personal account using the same app with same email and password so i opened a personal account for myself. i used my bank account normally until i received an email from the bank on XX/XX/XXXX, requesting IRS documentation like form 147c to verify the EIN number and i uploaded all the documents requested.

they kept sending a message they could not verify the business and i am not uploading the corrected document, I contacted the IRS to make sure what the bank request and what I uploaded the corrected document, the IRS confirmed. 

after a week or so, they decided to close my account as they kept saying i am not uploading the IRS document they want, the result of closing the business account affect my personal account they closed too.

they don't have customer support here in US to solve issue or appeal, i appeals online multiple times, that i don't have my statements for XXXX tax purposes, i don't have access to my business or personal account and they close it for no clear reasons and no clear path to explain or discuss the topic.
Product: Checking or savings account

In XX/XX/XXXX, I joined a debt consolidation program with Freedom Debt Relief ( FDR ). The terms included making monthly payments for 48 months. The funds to pay the enrolled accounts ( i.e. creditors ) were drafted from my personal checking into a dedicated account with XXXX XXXX XXXX ( XXXX ). The contract I signed with FDR stated, " You will, at all times, own and control the Dedicated Account ''. This is not the truth. 

In XX/XX/XXXX, I agreed to a stipulated payment agreement with the court after one of my creditor 's sued me. The funds to pay this judgement were paid through the dedicated account. In XX/XX/XXXX, a lien was place on real property that I was an heir to. Since I had enough funds in this dedicated account, I contacted FDR and requested they expediate full payment to the creditor. The Attorney 's involved, as well as the clerk of court, needed proof the debt was paid in order to remove the lien and satisfy the judgement. A bank statement would have sufficed. After multiple contacts with FDR and XXXX, they both failed to assist me with this matter. FDR referred me to their client dashboard, which shows account balances. XXXX guided me to an account ledger that is in a .csv format ( i.e. XXXX spreadsheet ). Neither any of the Attorney 's, or the clerk of court, would accept this documentation. 

The FDR program, and their contractors ( XXXX XXXX, need to allow access to this dedicated account so that participants of the program can show proof that a creditor was paid. Instead of doing so, participants have to reach out to creditors ( which was advised against in the beginning of the program ) to request payment in full letters on the creditor 's letterhead.