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

I sent a letter on XX/XX/XXXX, 60 days ago requesting an investigation into an inaccurate account I saw on my credit report. Then I sent a follow-up letter on XX/XX/XXXX asking that they comply and tell me the results of the investigation. I still haven't received a response on my dispute. I feel like they are ignoring my consumer dispute.
Product: Debt collection

CRA violation no knowledge fraudulent accounts on my Experian credit report. XXXX ID Theft Report # XXXX
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts and unresolved The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit lawsuit against Transunion alleging systemic issues, such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where Transunion has neither corrected nor removed disputed items Despite the evidence I provided, Causing ongoing harm to my credit standing. I am requesting immediate, corrective action to remove or amend the disputed accounts, as Transunion inaction, violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

This all seems to stem from a problem with a recurring buy of XXXX that happened in XXXX. 

XXXX XXXX my phone was stolen and I took the necessary steps to secure my banking and investment accounts. At that time the recurring buy at Coinbase tried to go thru but it was rejected by my bank. There was plenty of money both in my bank and coinbase but that seems to have created a situation where coinbase removed my bank account from being used for future purchases. I was never notified. I contacted Coinbase thru their AWFUL customer service in early XXXX and they said my account was under review and they required identification verification which I did and to wait 30 days. 

I believed the issue was resolved since the funds were covered for the XXXX recurring buy and my bank account security hold was lifted. When I contacted Coinbase in XXXX I noticed a recurring buy was attempted again but since they had removed/unlinked my bank account the transaction failed. I could not believe they had removed my payment method but not my recurring buy!! What did they think was going to happen since I had not been notified. At that time, I cancelled my recurring buy and contacted the XXXX customer support and again was told my account was under review for 30 days. I begged for them to tell me what I needed to do to have my account back to normal. Needless to say XXXX is up almost 50 % since then and I could not participate because of this situation. 

So I waited 30 days and contacted customer support again beginning of XXXX thru the chat feature and after waiting AN HOUR AND A HALF finally was able to chat with somebody who was not helpful. Told me the same thing the previous 7 or 8 people I have spoken with which is, the case will be forwarded to a team for review and after begging the individual to please connect me with a supervisor he disconnected the chat. Curious enough I didn't even get a case number as I had in the past. It has been close to 90 days and I have been unable to buy anything just sell and withdraw funds. I do not wish to. close the account. since I have been a customer for 10 YEARS. 

The below are the different case numbers from Coinbase that I have had. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX At this point I don't know what to do and the company offers zero guidance. I have reached out thru XXXX  visited their help center ( useless ) countless times and reached out to the company. thru phone and chat. This is my last attempt and if this doesn't resolve the issue I will be left with no choice than to liquidate my account, cause a tax issue and remove my funds. 

Thank you.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent a letter declining to investigate an inaccurate account on my credit report. Collection center has received a valid FTC report dated XX/XX/2019. Experian is violating the law by refusing to be NONCOMPLIANCE. Here is a copy of the response they sent to me by mail. Also a copy of the FTC report filed.
Product: Mortgage

The loan servicer Bayview failed to prove that an alleged corp advance balance was left from the previous servicer XXXX of {$1300.00}, in addition according to loan terms these charges are not payable together with monthly payments, but at any time. Furthermore, Bayview has not rights to collect any monies from this loan. As Bayview stated in its response from my former complaint indicating that he is collecting in behalf of a XXXX XXXX that supposedly is the lender/creditor, but the mbs trust was dissolved on XX/XX/2008 and the investors were several times paid. Bayview is not the original lender neither the servicer to a loan that doesn't exist. Bayview as XXXX XXXX XXXX and XXXX XXXX have been and still are illegally collecting payments from a loan that they do not own. Bayview has not responded to my QWR and XXXX   XXXX XXXX has sent me a false fabricated mortgage note with robo signing which I'm sure also Bayview is planing to use if they finally respond to my QWR. As they did with the fabricated bills of the former so called servicer XXXX who also collected and charged a lot of money from us by playing tricks like XXXX  XXXX XXXX of stopping drafting the payments from my bank and then, charging us a lot of money in fees. Bayview had the auducity in sending today a bill of the illegal monthly payment and the so call corp advancement from XXXX calling it as, '' past due '' and payable next month as a total of {$2000.00}. I'm fed up with these people committing fraud by taking advantage of responsible elderly people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Collections have just recently been added on XXXX  from 5 years ago that have not been on my report. I had gotten myself collection free and now these 4 from paramount recovery that have been opened for 5 years are added once the complaint about my vehicle information was reported through here. I now have lost 97 points so quickly yet they can not report accurate information and properly fix and adjust my report. MEDICAL collections should not affect credit scores or history if you do not have to apply for a medical loan. Should not be held against you or your credit. I am also a VETERAN the VA should be held accountable if they wan na hold past issues. Medical should not be used to hold someone back against fixing their own credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION LLC, XXXX CREDIT BUREAUS are reporting information regarding bankruptcies that they say that the bankruptcy courts reported to them. I have information from bankruptcy court that states '' bankruptcy court does not report to credit bureaus ". I have asked by certified mail, fax, online and verbally to bureau to remove inaccurate information. To no avail, they have not removed bankruptcy.
Product: Vehicle loan or lease

In XX/XX/2020 I did a review of payments on my 72 month loan and found I have made 74 payments. I mailed a dispute letter on XXXX XXXX which they received. I gave them two weeks without a response. I tried to call and kept getting collections and transferring to customer service was no help. I keep getting collections calls. I finallyam fed up with no response and contacting you.
Product: Debt collection

Emerald Coast Collections - Somehow they have my Medical information, which I did NOT authorize this company to have or receive ANY of my medical information, I believe it is a violation of my personal RIGHTS for this company to have ANY of my medical information. 

I do not OWE any Medical debt and Emerald Coast Collections placed 4 separate collections on my Credit Report in the amounts of {$200.00} - {$200.00} - {$310.00} - {$79.00} - 2 collections were placed on my Credit Report the same day, XX/XX/2017 and 2 others placed on my report as well. 

Not only does Emerald Coast Collections NOT have authorization to my Medical Records, they then COMPLETELY and without any merit FRAUDULENTLY placed 4 separate collections on my Credit Report. 

I have called to contact this company and I am hung up on, yelled at, told I am a loser and to pay my bills, etc ... And Emerald Coast Collections REFUSES to remove my information from there system. 

This is a major FRAUDULENT company and I did NOT authorize this company to have ANY of my information whatsoever and this company needs to be SERIOUSLY INVESTIGATED, especially being here in the state of Florida. They are more than likely doing this to countless others and elderly folks who do not have the means to protect themselves. 

I am requesting a response. 

XXXX XXXX
Product: Mortgage

I requested loss mitigation which the company gave me, but they keep moving the ball and keep losing my application and payments among other things in violation of 1024.41 ( g ) they started foreclosure proceedings while I was in loss mitigation and during the time which I submitted my loss mitigation application and asked the court for a default judgment. I am currently in foreclosure court proceedings and in loss mitigation at the same time
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint for XXXX XXXX XXXX incorrectly reporting an account that was paid in full. XXXX replied to the CFPB complaint stating they have submitted the deletion request to the 3 major bureaus. However every time i dispute the inaccurate trade line, it its not being deleted.
Product: Credit card or prepaid card

I have a TJX Rewards Credit Card with XXXX XXXX. I am preparing to refinance my house and wanted to improve my credit score ( credit score was XXXX ) so I decided to pay off all my store credit cards in XXXX. Unfortunately after making a payment ( {$250.00} ) to pay off the above mentioned account someone fraudulently accessessed my Paypal account and made several charges using my bank debit card. This caused several payments to be returned. I contacted Synchrony baby and explained what was going on and made payment that did process and paid account off in full. 
On XX/XX/XXXX I received a letter dated XX/XX/2018 from Synchrony bank stating my TJX account was closed due to the number of dishonored payments on the account. I immediately called and spoke to several customer service reps till I finally spoke to a supervisor named XXXX. I was told that if my Bank sent a fax stating that the returned payments were not non sufficient funds my account would be reinstated. I was given the fax number to the finance department. On XX/XX/2018 my bank manager sent a fax stating the returned payments werent not my fault because of the fraudulent activity on my bank account. On XX/XX/2018 I called to follow up with my account. My credit score has dropped to XXXX! Synchrony Bank adviced me that they recognize that the returned payments were not my responsibility or fault but will not be reinstating my account even after I did what they asked. So basically I am being double victimized. I was trying to improve my credit score an now its been decreased by over 70 points at no fault of my own. I could have made a minimum payment on my TJX card. I didnt need to pay {$250.00}. This doesnt seem legal. I didnt do anything wrong to have my account closed.
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Late Dates XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im being denied loans because they can not verify my address and phone. 

My current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX
Product: Debt collection

I sent a request for debt validation back in 2015. I asked them to only communicate with me by mail. Since then i have not received notice by mail of the information. The only information I have had for them up til now is the address that is on my credit report which must be inaccurate because the letters have come back as returned, or not answered at all. How is legal for them to list a host of inaccuracies on my credit report up to and then not validate/ verify their debt and that they have a legal right to collect it. How do i know that if i were to pay this it wouldnt just get returned as my requests for relief and further information have or that it wont just be sold to another debt collector who will do the same things they have further tarnishing my credit.
Product: Credit reporting

Experian as repeatedly claimed to ave re-verified information that either is n't mine or is n't correct. They 've ruined my credit for years. I also added a fraud alert and they continue releasing my report without my permission and the inquiries do not meet fair use criteria. Finally, they report incorrect personal information and refuse to remove it no matter what proof I provide. 
I am providing proof I have a {$0.00} balance on my XXXX XXXX Credit Card. 
XXXX XXXX is not my account and has never been. I do have an XXXX account with a {$2800.00} limit, but it 's not this account number. 
XXXX XXXX XXXX is older than 7 years and should n't be on my report to begin with, but I also ave proof from them it should be removed. 
XXXX had no right to request my credit report for fair use or any other reason. This inquiry must be removed ASAP XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XXXX XXXX, XXXX Business Type All banks - non specific Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I 've ad to pay for alerts and credit monitoring due to their gross mishandling of my file aka my life.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft.I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the account from my credit report immediately!
Product: Credit reporting or other personal consumer reports

someone has been using my identity to open fruadulant credit accounts using my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXXXXXX 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: Mortgage

On XXXX as a veteran I was preapproved then subsequently given a closing date of XX/XX/XXXX. They asked me to pay the VA appraisal upfront which I did. On XX/XX/XXXX I was told the appraisal was not done yet and that everything was running smoothly. On XXXX they said the higher ups decided to change the credit score criteria and I no longer was eligible for a loan. They havent refunded my appraisal fee. I found out through the VA they lied since the appraisal was done on XX/XX/XXXX. They also lied to my realtor and my attorney. Their loan denial letter states I have delinquent payments which is not true. They are misrepresenting the fact I was denied because they changed their criteria. The managers have apologized profusely and admitted I was qualified and they also are not giving me access to my identity documents I uploaded on their app. The company is XXXX XXXX  XXXX through XXXX XXXX   XXXX. This has affected me greatly since I had already promised to vacate my current house in XXXX. I also believe the denial letter is fraudulent and all their denial letters should be audited. Bad business practice and a shame for US Veterans.
Product: Credit reporting or other personal consumer reports

MY PERONAL INFORMATION WAS SOLD AND BOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS IN FACT A VICTIM OF THIS DATA BREACH AND EQUIFAX HAS DONE NOTHING TO FIX THIS. PLEASE HELP ME DELETE THESE ACCOUNTS. XXXX XXXX Account # : XXXX DELETE. XXXX XXXX/ XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX  Account # XXXX DELETE. XXXX XXXX XXXX Bank Account # : XXXX DELETE. XXXX XXXX XXXX Account # : XXXX DELETE XXXX XXXX XXXX  Account # : XXXX DELETE. XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX DELETE.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these account from my credit report After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal.

They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
If these accounts are not removed I will be reporting you to the BBB, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I sent an email to my auto loan finance company, XXXX regarding the reporting of inaccurate information on my consumer report. I have dispute the account as well with the Credjt Reporting Agencies to no avail and verified results. The issue and dispute is that per the FCRA there must be accurate information being furnished. Im addition there must be a reinvestigation into the account which was completed to no avail or update to the reporting information. The current balance being reported is XXXX, however the actual balance is currently XXXX per Prestige. I have asked for this information to be update however was denied due to me being in a payment agreement with the company. As federal law supersedes these companies policies and they have failed to comply with the FCRA and XXXX XXXX compliances I am seeking resolution immediately. Lastly these violations are subject to 15 USC 1611 for the willful noncompliance
Product: Debt collection

I have been harassed by this company they have called repeated time and sent repeated things in the mail. On XX/XX/2021 I got a letter from Revenue Group that states that they are collecting and alleged debt. This letter is false and misleading. On XX/XX/2021 I received a phone call at approximately XXXX XXXX  they also called me 4 days later on XX/XX/2021 at approximately XXXX XXXX  these phone calls and things in the mail have received from Revenue Group has been very stressful and has caused me and my family unwanted XXXX  and other health problems. Im currently on XXXX XXXX medicine. The amount is {$320.00} I never gave Revenue Group to contact me and they have called me repeatedly.