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

Since XXXX, XXXX. I have contacted all the creditors on the distribution list I have provided about opting out, and having my information furnished on my credit report. Since learning about the XXXX data breach, I've noticed the inaccuracies being reported on my credit report and I have reached out to all of these creditors by mail requesting to opt out, I am even in a law suit over the miss information being reported. These inaccuracies are hindering me from holding down a professional position, causing me XXXX, XXXX XXXX and even the break up of my household. These false reporting have cost me many business deals one that would have worth close to a XXXX XXXX, credit cards being closed and/or reduced to the point. I went from $ XXXX balance now it's at {$800.00}, my lively hood has been uprooted and now I'm losing my house. Because I can not get any loans or credit to help support my household and family.
Product: Mortgage

I have paid {$15.00} more a month on my mortgage payment since day 1. They can not tell me what happened to the extra money yet they claim im behind. Now Amerihome is saying i haven't paid since XX/XX/2020. Meanwhile they sent me back a check for {$500.00} saying there was no account to credit it to. However they did receive my XXXX payment, for {$590.00}, which they applied for XXXX of 2020. Now while i have made all mortgage payments and can show proof and have shown proof but i did not submit the increase for two months which was {$89.00} per month. I did send on XX/XX/2020 a payment of {$200.00} to cover the difference and the late fees. However even though they have received proof from XXXX XXXX  that all monies was sent they still say i owe them for 2 months. I have tried to work this out for about a month and a half now but they are threatening me with foreclosure.The supervisor Ms  XXXX was supposed to call me and as of today i have heard nothing. I was told by Mr  XXXX that he would remove the late fees and submit a request to have Amerihome investigate into the matter and remove their derogatory remark on my credit report to the credit bureau which damaged my credit.
Product: Credit reporting or other personal consumer reports

During various months of attempting to resolve issues and disputes with this company, payments that were made or attempted to be made were followed by incorrect account information by a customer service agent not inputting the information correctly resulting in payments that were sent back or unlocated accounts. For these reasons, this mortgage company should not have continued to report these accounts 30 days late during various months. I am requesting these XXXX dates late be removed from the credit report, Additionally, this account was paid in full XX/XX/2024.
Product: Money transfer, virtual currency, or money service

I have an account on www.coinbase.com where I trade with money and criptocurrencies. 

When creating the account, they verify my identity and I have been working without problems up to now. 

For about XXXX weeks, they have blocked my account because, according to them : " Right now your account is being reviewed and we need some time to verify your information. During this review, you will not be able to use Coinbase. Reviews usually take a few days. '' I have contacted them through their email support and they tell me to upload my identity documentation again and enter my personal data. I have uploaded it multiple times, both my driver 's license and my government identification card. 

They have closed the case but have not unlocked my account, so my account is blocked since it is always under review, so XXXX cant work with the platform and have my money blocked ( XXXX ). 

Coinbase case # XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Control Service, for committing identity theft. I have never given Credit Control Service, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Credit Control Service and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving Credit Control Service any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Credit Control Service, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Credit Control Service, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Control Service, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Control Service, continues its collection efforts, I will file for litigation for actual damages caused and Credit Control Service, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX  XXXX and XXXX  XXXX  XXXX
Product: Vehicle loan or lease

This account Had been reported on to my credit report since XXXX with XXXX bal owed finance company refuse to remove off my credit report under the law 15 U.S. Code 1601 is a section of the U.S. Code that outlines the purpose of the subchapter on consumer credit cost disclosure. It is part of Title 15, which covers commerce and trade. This should not be reported my my credit report under status of the account
Product: Credit reporting or other personal consumer reports

I am bringing to your attention the fraudulent personal information tied to my identity. Certain accounts and transactions have been wrongly associated with me, causing significant XXXX. I've been a victim of identity theft and have taken swift action by reporting the incident. Addressing this promptly is crucial, as it's adversely XXXX both my financial XXXX and XXXX XXXX. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I'm prepared to provide necessary evidence and, if needed, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is sincerely appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED MULTIPLE DISPUTES WITH EXPERIAN THEY HAVE YET TO FUIX THE FRAUD ERRORS ON MY REPORT I HAVE SENT EXPERIAN MY FTC REPORTS I HAVE FILED POLICE REPORTS THEY HAVE YET TO RESOLVE THE MATTER THEY CONTINUE TO REPORT XXXX XXXX XXXX XXXX XXXX ACCOUNT, THE XXXX XXXX ACCOUNTS AND XXXX XXXX   ACCOUNT ON MY REPORT I HAVE SENT THEM EVERYTHING I HAVE BEEN THROUGH THE DISPUTE PROCESS OVER 20 TIMES THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION. THEY ARE REPORTING THE ADDESS XXXX XXXX XXXX XXXX NC XXXX ON MY REPORT HAVE INFORMED THEM THIS IS ASSOCIATED WITH FRAUD AN THEY CONTUNE TO REPORT IT. I AM ASKING YOU TO INVESIGATE THIS AN HAVE THIS COMPANY REMOVE THESE ACCOUNTS FROM MY CREDIT REPORTS WITH THE CREDITOR LISTED AS XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verfied. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that you send me copies of the documents you used to verify the following accounts listed below or you delete them immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third complaint this month with Equifax reporting bogus information. XX/XX/2020 I received a credit alert regarding my XXXX XXXX account having been closed with Equifax only. Attached is the alert. My XXXX account information and the fact that I paid my car payment yesterday and the lease is only half finished. My XXXX account is absolutely open. This is blatant and fraudulent reporting.
Product: Credit card

I've always made sure payments on this account are timely, never letting them become overdue. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Debt collection

Hello XXXX XXXX is on my credit report with Transunion still but I have paid them! They agreed to have it removed from my credit reports but it's still there. It's been removed from my XXXX but not Transunion. Transunion needs to have it removed asap
Product: Credit reporting or other personal consumer reports

IQ Data Internationals actions constitute a serious violation of both the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. According to the FCRA, specifically 15 U.S.C. 1681b and 1681g, any entity reporting information to credit bureaus must have a permissible purpose and provide proper notice of the debt to the consumer. Furthermore, under 15 U.S.C. 1681i, they are required to provide validation of the debt upon request. 

Since IQ Data International began reporting negative information on XX/XX/year>, without my consent or knowledge, and has failed to provide the required written notice or validation of the debt, they have violated these regulations. Their actions have led to significant financial hardship and have imposed undue mental and physical strain on me. Their failure to adhere to the FCRA and CFPB guidelines is both unlawful and detrimental.
Product: Debt collection

I hope this letter reaches you well. I am writing to dispute and urgently request the removal of fraudulent accounts from my credit report. XXXX XXXX : XXXX and XXXX : XXXX The unauthorized accounts, reported through XXXX, have been acknowledged by the respective banks as invalid. However, the prompt removal is yet to be processed by your bureau.
Product: Debt collection

I received a letter from Midland Credit Management in the mail. I returned their phone call at XXXX. I spoke with a representative and explained my situation as well as the fact that I am working with XXXX XXXX XXXX. They insisted that I not work with XXXX and work with them directly. When I told them that I would not make any arrangements with them before speaking with XXXX, the put a " supervisor '' on the line. This person tried to bully me into making arrangements with them. Even though the other debt collection agencies I have worked with have told me that since I'm working with XXXX they will continue any further contact with them. When the supervisor refused to end the call, I told him that I had already been speaking with them for upwards of 40 minutes and didn't have any more time to speak with them regarding the matter and that I would call them back at a better time. The person raised their voice at me and told me that they were trying to " save me time '' ( a reference to saying I was out of time ). I told them that they were not hearing me and that I was going to terminate the call. They continued to raise their voice and tell me that I should not end the call, because it would not be good for me. At this point in time I hung up the phone. 

From my understanding, at the moment that I notify the debt collector that I am working with a consumer credit agency on a repayment plan, they should have stopped trying to influence ( really it was bullying ) into making any arrangements with them. I was very upset that they raised their voice and kept trying to force me into making an arrangement directly with them.
Product: Mortgage

I Received a current escrow analysis 2 days ago from Wells Fargo Bank. It showed that my projected and actual insurance premium was {$360.00} annually from XXXX XXXX, XXXX to XXXX of XXXX. The truth was that XXXX had sent Wells Fargo Home Mortgage a Notice of premium increase to {$390.00} on XXXX XXXX, XXXX, which was processed & Wells Fargo who issued XXXX a batch check confiming on XXXX XXXX, XXXX notice and receipt of payment from XXXX was completely ignored by Wells Fargo XXXX and they chose to continue to use the old XXXX premium amount, {$360.00}, through all of XXXX and through XXXX of XXXX. Wells Fargo made a mistake and XXXX different agents even argued with me saying they had not been informed of the premium increase in XXXX. Wells Fargo.needs to be responsible and pay what is owed, not me. According to XXXX I am paid up and owe nothing more for the next year. I am confident that during the past 15 years or more I have paid money to compensate for Wells Fargo Home Mortgage 's errors or intentional negligence. I am a XXXX and I wish to sue them, for non compliance and straight out lying and blaming others for their own neglect and sending out incorrect information. I want to be compensated for all of the time I have spent attempting to get to the bottom of the mess and of course we know who was found at the bottom, no one but Fargo Home Mortgage, They take advantage of their own employees with low pay and high demands and they view poor people and working Americans as walking dollars which they can easily collect more money from daily for just about any reason, whether true or false, I will add the files from XXXX showing their premium notifications to Wells Fargo when I receive them next week, .Thank you. XXXX XXXX XXXX. 

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

To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. 
Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. XXXX XXXX XXXX has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get XXXX XXXX XXXX to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX XXXX a number of years ago and now I have problems with my XXXX XXXX XXXX. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the XXXX   campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is XXXX XXXX XXXX. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.
Product: Prepaid card

I received XXXX AMEX digital cards via email from XXXX of my bosses for my XXXX gift. I tried purchasing items on XXXX and it was declined. I tried purchasing sneakers at XXXX and it was declined. I called up and spoke with AMEX support and they are aware of the problem and told me to keep trying at other online shops to find one that will accept it. I did find one shop and purchased a pair of jeans. I shouldnt have to do this. AMEX should state then that their electronic gift cards can not be used at most places. There is an entire thread on XXXX about this with so many disappointed people who now have worthless cards that can not be used at any major retailers. I can not use this gift card anywhere that I shop! XXXX, XXXX, XXXX, XXXX no one will accept it online and I went in person and they said absolutely. I would like to request a check in the amount of my gift cards to be sent to me please. Thank you
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX Bank 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 XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  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
Product: Debt collection

I mailed out a debt validation letter on XX/XX/XXXX to Enhanced Recoveries Company to  validate the alleged debt from XXXX that was on my credit report. I stated in the letter that the collection agency has 30 days from the receipt of this notice to respond. They failed to respond to the debt validation letter which I presume the debt was placed on credit as an error and that the matter should be closed permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified mail on XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX to Experian and XXXX to request a copy of verifiable proof of an original consumer contract with my signature that they have on my credit file for the XXXX XXXX XXXX - XXXX report by Experian. And XXXX XXXX XXXX ( XXXX ) reported by XXXX. This is information has not been provided to me and remains on my credit file/report. Per Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the agencies are violating my rights. In ordinance, with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. XXXX has confirmed this information was not verified and since has removed from my credit report. I am requesting XXXX and Experian to do the same. 

I have requested my consumer disclosure via certified mail on XX/XX/XXXX from XXXX and Experian and have not been provided this information.
Product: Mortgage

In XX/XX/XXXX, I took out a mortgage loan with XXXX, XXXX D/B/A XXXX XXXX XXXX XXXX, A Limited Liability Company for the amount of {$420000.00}. On XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX, XXXX D/B/A XXXX XXXX XXXX XXXX, A Limited Liability Company to XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me for the amount of {$420000.00} which is about {$2900.00} from the original mortgage 10 months earlier, but I had already paid about {$27000.00}. How is that possible? I tried fixing the problem several times by submitting loan modifications on XX/XX/XXXX I was denied a loan modification because the investor declined. On XX/XX/XXXX I was offered a Trial Payment Plan, but I had to decline the offer because they were increasing my mortgage payment by {$530.00} and wanted a down payment of {$50000.00}. On XX/XX/XXXX I was denied again because the investor declined a loan modification. It seems like they do not care whether I pay them back or not, which is why they a offering me an impossible loan modification. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX