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

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX-I sent letters and/or contacted Transunion to dispute the validity of the Bankruptcy filing that they are reporting on my credit report. They have repeatedly responded with a letter stating that they have verified this item as accurate and verified through USBK Court XXXX Illinois. I went directly to United States Bankruptcy Court-XXXX Illinois , to verify the item in question and they returned a letter stating that they do not report any information tot he credit bureaus and is not responsible for verifying or validating information from consumers credit files. 

I sent Transunion a copy of the letter received from the United States Bankruptcy court on XX/XX/XXXX and they continue to state that the reporting is accurate and verified. I sent Transunion another letter on XX/XX/XXXX to further dispute the item and also advised that if they could not reveal how they truly " verified '' this item then it needs to be deleted according to the FCRA, in addition to including documentation to support that item reported is not mine, as they requested, and they continue to violate my rights to accurate and fair reporting in stating on XX/XX/XXXX that the item is accurate and verified through USBK-XXXX  Illinois . I contacted Transunion on XX/XX/XXXX after receiving their latest letter, in which a representative told me that they had received my documentation and that she had removed the bankruptcy/public record from my credit report. I called back that same evening, less than a half hour after I spoke to the previous agent to double check that the bankruptcy was actually removed and the agent verified that it was removed and there were no public records showing, a third agent verified the same when I called again on XX/XX/XXXX because I had not noticed an update to the credit report. I contacted Transunion again on XX/XX/XXXX since I still had not received any update, only to be told that the Bankruptcy was not removed and that he was not sure why I was told that it was. So I went ahead and filed another dispute on XX/XX/XXXX, consistently stating that the bankruptcy reporting is not mine to which I received another letter from Transunion once again stating that the item is accurate and verified through the USBK Court-XXXX Illinois . They have once again refused to delete this item which is impeding my ability to purchase a home and costing me thousands of dollars more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days, especially since it is not my filing.
Product: Mortgage

Requested a modification, which I received on XX/XX/2024. I returned all of the paperwork on time. I then received another letter stating that I did not get the modification without any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I applied for a credit card with Capital One on or before XX/XX/2018. I was denied. I feel the credit failed to conduct adequate due diligence in evaluating my credit worthiness and simply denied my application to prevent me from enjoying the benefits of the associated rewards program. My denial letter provided 3 reasons. 1.Based on your credit report from XXXX, too few or no revolving accounts have a balance. This is simply untrue. Any review of my credit report will show that I have several accounts that regularly have a balance. 2. Based on you credit report from XXXX XXXX, there are too many new revolving accounts. This shows the lack of due diligence since it contradicts the prior statement made. 3. Based on your application information, income is insufficient for the requested credit. No dollar amount was requested. My income is $ 80K plus per year. It is sufficient to afford a reasonable line of credit on a credit card. I have NO late payments on my credit report. The creditor provides no means of contacting them to dispute the denial. I do not think they have complied with fair lending laws.
Product: Student loan

I was informed by Student Loan Care , LLC that I would be able to get some forgiveness on my student loan Id i signed up with them. I have do t research and recently learned that this is a scam and would like to report/freeze my credit.
Product: Checking or savings account

I opened my TD { in } convenience account under these " Terms '' online on XX/XX/2019 from the OFFICIAL TD BANK website for a {$150.00} promo they had going on at that time : " Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank, open their account online via this web page and complete the required qualifying criteria. '' Wait time was " no later than 95 days '' as per the terms. 

A month and a half after 95 days i sent them an email stating " Hello, I opened my account back when the {$150.00} promo was going on, it feels like its been over 125 days already. Any updates? Thanks. '' To make a long story short, this was their reply " Good afternoon, XXXX. 

Thank you for contacting us today about a recent promotion. 

We apologize for any confusion, XXXX. 

We had 2 types of promotions running when you opened your account. One was a mailed offer and one was available in Ads on sites that were not www.tdbank.com.

Our promotions department reviewed how your account was opened and we show that you used a promotional link from one of our mailed promotions instead of an Ad link from another website.

As we did not send a promotional mailer to your address in your name, you were not eligible to use the promotional link provided on our mailers to apply for the {$150.00} bonus. '' Mind you, I found this promo ONLINE, I didn't even know they had a mailer for that.
Product: Student loan

On XX/XX/XXXX, I sent a letter to AES requesting for my co-signer to be removed. The original agreement stated that a co-signer can be removed after 5 years of good payment history. However, when I received a forebarance no one told me this would count as bad payment. They said using a forebarance would assure I dont receive negative payment history and I will still qualify for a co-signer release.

My release was denied on XX/XX/XXXX.

The servicing company is AES. The holder is XXXX.
Product: Credit reporting or other personal consumer reports

I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX XXXXXXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Debt collection

I was in debt with US Bank and it was turned over to XXXX XXXX XXXX to collect the debt, and on XX/XX/XXXX they filed a complaint with the court of XXXX county, in XXXX IL for the amount I owed them {$11000.00}. 
On XX/XX/XXXX I filed for bankruptcy with XXXX XXXX with XXXX   XXXX XXXX XXXX. 
I was granted a discharge on XX/XX/XXXX United States Bankruptcy Court of XXXX Illinois case No. XXXX chapter XXXX. But now 5 1/2 years later I am trying to buy a house and XXXX XXXX tells me that I have an unsatisfied judgement against me that came up on me through court records. Apparently the discharge from my list of collections were all listed and most said NA for balance discharged, but unknown to me the balance for discharge to XXXX XXXX was listed as only {$1000.00}. My attorney has informed me that since this debt was all incurred before I filed for bankruptcy, the balance owed is all discharged, and the balance listed should not matter. XXXX XXXX   says they will not give a loan for a house until this judgement is satisfied.
Product: Debt collection

I looked at my credit report and I noticed a charge off which is debt that has been discharged!
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been multiple hard inquiries for XXXX XXXX over the past couple years. Not only have I not applied for a card with them. XXXX XXXX has no record of me attempting to apply for anything with them.
Product: Mortgage

I am writing in reference to my history of payments and what is being reported or what is present on my statements, which contains a wide range of discrepancies according to my bank records and what is being reported. I am wanting to come to a resolution of the issues as they present and the continued calls on a monthly basis which was portrayed in the beginning as following BAC transfer back in XX/XX/XXXX and Nationstar Mortage, LLC stated that terms of my loan would not change. This is false and deceptive practice as according to my records and their records they are charging me unknown fees, taking more out of my escrow and can not explain where my escrow is placed I always seem to be short according to them. They are engaging in deceptive practices by calling me daily this month of XXXX and prior to that I was told that they were to cease all communication efforts, quite confusing and frustrating. I was current according to my records as of XX/XX/XXXX however they state on their records from XX/XX/XXXX report I was XXXX past due, then XX/XX/XXXX stating I was XXXX behind when in both months a payment was made XX/XX/XXXX of XXXX, XX/XX/XXXX XXXX with no reflection of where my difference was placed then your statement reflected on XX/XX/XXXX I was past due XXXX I then paid XXXX on XX/XX/XXXX which was to bring my account current, I am wanting some assistance in addressing this matter ASAP as I apparently am still in collection status which is not acceptable when a payment of XXXX was made in XXXX and no explanation of fees over the course of the time they have taken over my loan it was not a new loan but a transfer from XXXX XXXX XXXX and I have my statements from XXXX and transaction history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX and Experian have received documents as required by the fair credit reporting act that state I am a victim of identity theft, they have been sent to them for over 1 year, my credit score fell from XXXX to XXXX because XXXX XXXX, XXXX, XXXX and Experian refuse to adhere to the fair credit act laws, I am unable to find a place to live and now forced to be homeless due to XXXX XXXX  XXXX, XXXX and Experian, I am not qualified to receive any assistance at all over a matter that I was and am a victim of. 

All four corporations named XXXX XXXX, XXXX, XXXX and Experian have violated my civil rights and fair credit law. I'm sending the information in for the 25th time and each time I have documented and saved each report filed, this has been going on for one year, I do not owe XXXX XXXX  any money whatsoever, I did no just jump up and use {$5000.00} in credit, it makes no sense at all. 

XXXX XXXX, XXXX, XXXX and Experian have forced me into homelessness
Product: Money transfer, virtual currency, or money service

Unauthorized payments were taken from my cash app account. I tried disputing the transactions but was unsuccessful.
Product: Credit card

I was travelling from XXXX XXXXXXXX XXXX XXXX DC via XXXX where I had a layover of some XXXX hours on XX/XX/XXXX. 2024. My flight from XXXX took off early in the morning of XX/XX/year>. When arrived in DC i got transection alerts from Bank of America which had happened while I was on flight. In total three transections ( {$450.00}, {$71.00} and {$37.00} ) had taken place fraudulently and the fourth one was an order placed through online store. I immediately contacted the bank and informed them about the illegal use of my card and reported it lost. The representative of the Fraud Investigation department of bank closed my card and assured me that they remove the charges in a few days. They also said that they will do an investigation of the fraud. 
The charges were duly removed from credit card only to appear again three days ago. The bank also sent a letter through the banking app saying that my claims are invalid and that I must pay the amount. 
I am shocked that the bank has seemingly concluded that I have falsely claimed the amounts. The bank is seeking an easy way out here and thinks it should make me pay for this. If these transections are not fraud than why did the bank cancel the fourth transection that happened along with the three illegal ones? It knows that fraud was committed using my stolen credit card. If I wanted to put a claim falsely, why did I not put it on other transections and only those that happened while I was on flight to XXXX  DC? 
I am a preferred customer with the same bank and I being victimized. I would sincerely request your intervention to protect my interest in this case. 
faithfully yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}.
Product: Credit reporting or other personal consumer reports

Good day. I am resubmitting this complaint as a follow-up to my previous complaint dated XX/XX/XXXX. I want to ensure that the items I am requesting to be removed, as listed in my last and present complaint, are expunged from my credit report before the end of the next 15 days. As I am scheduled to update my credit reports on that day, I am re-attaching my FTC report with reference # XXXX & XXXX. Here are the items I want to follow up for removal per bureau 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 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 XXXXEQUIFAX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/XXXX RE : Late Payment Removal Balance : {$440.00} This letter serves as my explicit instruction and written notice. 

This account is a billing error. A creditor that fails to comply with the requirements outlined in the Fair Credit Billing Act forfeits any right to collect from the obligor This is not a refusal to pay but a notice that this alleged debt is disputed. 12 CFR 1026.4 defines a finance charge. I respectfully request your company provide me with documentary evidence that clarifies this billing error. 

What authority do you have to collect debt in the United States? 

I consummated this consumer credit contract under good faith and credit. 16 CFR 433.1 ( i ) states Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. In accordance with regulation Z, you can be fined up to {$5000.00} for giving false and inaccurate information as well as not providing the consumer with proper and respective disclosures. 

I have reason to believe your financial institution is violating federal law by knowingly furnishing false credit information. It is impossible to be late on an extension of credit. No law under the Fair Credit Reporting Act requires your financial institution to report negative information to a consumer reporting agency. I do not consent to the furnishing of any negative information to any nonaffiliated third party. Furnishing this false credit information is a violation of federal law and a violation of my right to privacy. The Right to Privacy was declared a fundamental right by the Supreme Court in Puttaswamy v. Union of India. XXXX  Furnishing false credit information to a nonaffiliated third party as a means of coercing payment on an extension of credit constitutes racketeering activity. Furnishing late payments is your institutions policy. Your company policy does not supersede federal law. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to the credit reporting agencies immediately to prevent y consumer credit reputation from receiving further harm. 

I am keeping careful records of all correspondenceor lack thereof- made via mail, telephone, and other means of communication. Your response must be provided within the allotted threshold for this communication. 

Sincerely, XXXX XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

This involves the Company by the name Coinbase, located in XXXX XXXX, CA. Coinbase is a crypto currency exchange company. 
I signed up to use Coinbase on XX/XX/2021. I made three purchases of {$1000.00} each XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). On XX/XX/XXXX at about XXXX, an unauthorized purchase was made in the amount of {$1000.00}. I was asleep at XXXX so it was not me that initiated the purchase. Later that day on XX/XX/XXXX when I realized this purchase occurred, I contacted Coinbase via email ( they literally don't have a customer service phone # ) to tell them I did not make the purchase. I received an email response from Coinbase on XX/XX/XXXX saying that my account would remain frozen until they resolve the issue ; they also asked for more information, which I provided that day. On XX/XX/XXXX, Coinbase responded saying they would review the case and get back to me. I filed a complaint with my bank and they reimbursed me for the {$1000.00}. I have reached out to Coinbase 10+ times since then requesting an update and access to my account, with no response and no way to access my money. It has been several weeks with nothing more than automated email responses from the Coinbase. I've search the XXXX website and XXXX, and there are thousands of complaints similar to mine. This company should not be allowed to operate as they don't know what they are doing and are in way over their heads. I can't imagine that their behavior is not criminal. My Coinbase case # is XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and dissatisfaction with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit report through XXXX, XXXX and Equifax Credit Bureaus. Despite my numerous attempts over an extended period, these fraudulent entries persist, adversely affecting my credit standing and causing significant distress. 

The presence of these fraudulent items on my credit report not only poses a direct threat to my financial well-being but also raises serious concerns about the security and accuracy of the credit reporting process. I have attached supporting documentation for each attempt made to rectify this situation. 

I understand the importance of maintaining accurate credit information and the impact it has on my ability to access financial services. Therefore, I request your immediate attention and thorough investigation into the matter to rectify the fraudulent items on my credit report. 

Conduct a comprehensive review of my credit report to identify and rectify all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I trust that you recognize the urgency of this matter and its potential implications for my financial well-being. Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX 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  Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with the following financial institution nor any account associated with their collection services. 

Number XX/XX/XXXX Date Generated General Account Info Account Name PORTFOLIO RECOVERY ASSOCIATES Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$350.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$350.00} Highest Balance {$0.00} Terms 1 Months On Record UntilDec XXXX Payment History show tooltip button Tap a month for more information
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband fill out for a credit card under my name. They are saying that I filled the information out. XXXX XXXXXXXX states I filled out for it but I didn't not. I only have one XXXX XXXX account it is the one in the past 2 years.
Product: Bank account or service

XX/XX/XXXX, I wanted to check balance on Wells Fargo Money Market Savings. Last statement in my file was thru XX/XX/XXXX, even tho we always received one at the end of every month. Called bank and asked for a statement. Learned account " in process '' of being closed for non-activity, and that we had been notified. Immediately we went to the bank. Was questioned as to " why '' we had an acct. It is a SAVINGS acct. It was to SAVE money. They said they had repeatedly tried to contact us. We have lived in the same house since XX/XX/XXXX, and have had the same number. We received NO notification. We immediately closed the acct. Received cashier 's check for {$25000.00}. We have always had savings accts and never had one single problem. Please investigate to see why it appears to us they were trying to separate us from that account. And why absolutely NO effort was made to contact us. It would not have been difficult. We have not changed our address or phone this entire time, and our phone is listed. What happened to us is wrong, immoral, illegal, and smells very bad.