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

" XXXX XXXX, Thank you for submitting an application for a loan on XX/XX/2021. We truly value your business. 

After carefully reviewing your application, we are sorry to advise you that we can not provide a loan to you at this time. Our credit decision was based in whole or part on information obtained from an outside source other than a consumer reporting agency. If you would like a statement of specific reasons why your application was denied, please write Customer Support at the address below within 60 days of the date of this email. We will provide you with the statement of reasons within 30 days after receiving your request. " I received this email tonight about a loan application that I never authorized as well as a credit check that was never authorized. I did many months ago take out and pay off a loan from this company and have since been solicited to constantly via email, phone, and text. Now they are running my credit without my approval.
Product: Money transfer, virtual currency, or money service

This complaint is against Coinbase. I have a account with Coinbase which requires authentication via phone ( 2 Factor Authentication ) to sign-in to my account. Unfortunately, I had to return the phone that I had been using to authenticate and sign-in to my Coinbase account. Therefore, I was unable to log-in. Following is the list of event that happened as I tried to get access to my account : XX/XX/XXXX : Unable to log-in to Coinbase due to 2 Factor Authentication issueXX/XX/XXXX : I submitted a ticket requesting for help XX/XX/XXXX: Someone from customer service got back to me. Coinbase asked me to open a new account, so that they could verify my identity.XX/XX/XXXX : I responded back to Coinbase letting them know that my new account had been created.

XX/XX/XXXX : Someone from Customer Service responded back letting me know that my ID had been verified and they were working with a technician to proceed with the transfer.

XX/XX/XXXX : No transfer had been made so, I emailed back customer support to check on status of balance. No response yet.

It has been close to 1 month to get my issue resolved, so I have not other option than to raise a complaint with CFPB.
Product: Mortgage

CitiMortgage  applied an impound account to our mortgage due to unpaid property taxes (  XXXX  ). These taxes were included in our bankruptcy and should not have been paid to CitiMortgage. Our attorney opened a motion with the courts and CitiMortgage then removed the impound account. Looking back at our monthly payments with CitiMortgage during the time they applied the impound account it looks as if they miss applied the funds making it look as if we were a month behind. Moving forward CitiMortgage sold to  XXXX   XXXX  and then to  XXXX . Our final payment t o Citi w as on  XXXX / XXXX /  XXXX   but was applied to  XXXX  instead of  XXXX . We were still in bankruptcy so we were unaware of this, as this is not noted on any of our statements. At the end of our bankruptcy in  XXXX  we were contacted by  XXXX  saying we were 30 days late on our payment. We have disputed this with CitiMortgage,  XXXX   XXXX  and  XXXX . Nobody from any of these companies have given us a date as to when a payment was missed. It all started during the escrow impound account that CitiMortgage imposed on our account. We have bank statements showing all payments were made. There should be no late payment reporting in  XXXX    XXXX  . Please review proof of payment history and Bankruptcy documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the consumer sent dispute letters to all XXXX CRAs ( XXXX, XXXX, & Experian ). 
My reasoning and justification were to report and start an investigation into inaccurate reporting on a Closed/Cancelled charged-off account. After receiving a response from all XXXX CRAs. I called XXXX to get an understanding of how these accuracies were verified. After their thorough investigation, it was explained to me that this account was accurate and verified. When explaining to them the impossibility of this, their statement was to call the creditor to ask for the deletion of the account. After explaining to the CRA that I have called multiple times and asked the creditor to receive accurate reporting and I explained to them the inaccurate reporting, the creditor denied my deletion request. The CRA wanted me to dispute the inaccuracies again but after further explanation ( I ) the consumer and CRA did not come to an understanding. I also have recordings of this conversation of admittance that they have been reporting wrongfully. Also, XXXX stated that their agent made a mistake in how to handle the dispute. 
I further explained that this mistake should not fall on the consumer as it is the responsibility of the CRAs. Once the consumer disputes what has been considered inaccurate that the investigation should show merit validity to the result. With these disputes of inaccuracies in my report, my mental stability and financial progress have been halted and taken their toll on my health due to the lack of a thorough investigation. Attached below are the documents sent to all XXXX CRAs and an outline of the inaccuracies in the credit reporting in question. 15 USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Part 7 : Section 611. Procedure in Case of Disputed Accuracy If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must : 1. Promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Attempt to Collect a XXXX XXXX Dear XXXX Bank XXXX Department XXXX XXXX am writing to formally lodge a complaint regarding XXXX Banks attempt to collect a debt that is barred by XXXX XXXX XXXX limitations under 42 Pa. C.S. 5525. 

Specifically, I was contacted regarding an alleged debt, account number [ XXXX ], that is over XXXX years old in XXXX of XXXX. According to Pennsylvania law, the statute of limitations for pursuing legal action to collect this type of debt is XXXX years from the date of default or last payment. Since this period has elapsed, XXXX Bank is legally prohibited from initiating or collecting on such debt. 

This attempt to collect is not only a violation of state law but may also constitute a violation of the federal Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of deceptive or unfair practices in the collection of debts. It is illegal to misrepresent the legal enforceability of a debt. 

Resolution Requested : 1. Cease Collection Attempts : I request that XXXX XXXX XXXX XXXX  immediately cease all attempts to collect this time-barred debt. 
XXXX. Provide Confirmation : Please provide written confirmation within 30 days that no further collection efforts will be made regarding this debt.

3. Review Policies : I urge you to review your internal policies and ensure compliance with both Pennsylvania law and the FDCPA regarding the collection of time-barred debts. 
XXXX. Cease Reporting : I DEMAND you cease all third party non affiliate reporting to any and all non affiliates such as XXXX, XXXX XXXX XXXX XXXX etc. 

If XXXX XXXX XXXX Bank continues to pursue this debt, I will have no choice but to file a formal complaint with the Pennsylvania Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and any other relevant regulatory agencies. I also reserve the right to pursue legal remedies, including filing suit for violations of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Capital One credit card Account was closed and sold to XXXX XXXX and/or XXXX XXXX. I paid XXXX XXXX  {$190.00}. They said my account was paid and will now be reported as paid and closed. Capital One is claiming that I did not paid XXXX, which is not true. I paid them. I have attached a screenshot of my bank statement showing payment. I have reached out numerous times to Capital one. In which I mentioned that they are holding me back at purchasing a home. They are causing my credit score to stall in the upper 600s. Please help
Product: Checking or savings account

I closed my account so don't have my account info. I think it was XXXX or XXXX. I closed my account because they kept charging me overdraft fees saying my money was not in the bank and I know I had deposited the money. They kept me in the negative and returning checks.
Product: Vehicle loan or lease

I received a letter ( dated XX/XX/XXXX ) offering a settlement payoff amount for my XXXX XXXX XXXX. The offer was valid for XXXX after the date of the letter. On XX/XX/XXXX, I made the initial payment of {$2500.00}. The following day ( XX/XX/XXXX ) my transaction history had shown the account as paid off and closed. Since XX/XX/XXXX, I was in contact with customer service representatives on numerous occasions inquiring the timeline of when I could expect to receive the title. I was informed I would receive the title in the mail by XX/XX/XXXX. However, On Sunday XX/XX/XXXX, my account with Credit acceptance listed my account as open and a total due of {$30000.00}. I called to speak with customer service on Monday XX/XX/XXXX, trying to figure out why the account was opened back up after I have proof and paperwork it was closed, and they told me I would not be receiving my car title and the only reason they could give me as to why was " mistakes happen ''. I have been working with this company over a month and ensured I would not only receive my title, but the account was closed and " paid in full ''. I was also ensured that all of this was notated in the account transcripts on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer and Living woman was denied credit by WELLS FARGO AUTO at XXXX XXXX XXXX, XXXX XXXX used a credit application for an Auto. Pursuant 12 CFR 1026.12, 15 U.S.C 1602 ( l ) my credit card was used for this process which is my Social Security Number.

According to the ECOA ( EQUAL CREDIT OPPORTUNITY ACT ) which codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. I was XXXX  against by WELLS FARGO AUTO due to response I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had student loans and was making payment on time up until a certain point ( payments were automatic, the card I was using expired and I never realized it ). Eventually the loans went into default. I was then put into another federal consolidation program which I have been current with payments up to this current date. I have since started working on my credit and working towards a vehicle. This is really hurting my credit and I just would like to know if the way everything is being shown to me is correct. Attached will be photos of what I can see and what I tried to have XXXX correct. It is showing 120+ plus days late but yet the month before and month after are in green. I understand It is my financial responsibility to make payments on time.
Product: Debt collection

Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly REMOVE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, 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 intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with ENHANCED RECOVERY COLLECTION I have never done business with this company. I am not liable for collection from this debt from ENHANCED RECOVERY COLLECTION. I am not responsible for this debt with ENHANCED RECOVERY COLLECTION. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Product: Debt collection

XX/XX/2020 I was unable to make payments on my insecure debts due to another illegal collections action which set all of this in motion. I hired a third party debt settlement group to handle my collection yet this company did ignore and did not respond to them and started calling my place of employment twice daily and my bosses started getting upset with them and me they were harassing me at my place of employment and continued to rack up late fee charges and interest to my account Now I have a XXXX XXXX court hearing to set aside a default judgement I had no prior knoweledge to being served any court papers of but I did get court papers of a default judgement
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, TranUnion and XXXX has failed to respond back to me about the Inaccurate information that is being reported by them. 

TransUnion never update my loan balance and payment amount and the old information never goes away because they fail to update my month-to-month revolving accounts. 

I have reached out to XXXX  and Transunion and now I am reaching out to you to request that you investigate and delete the unauthorized credit inquiry that is reporting to my TransUnion credit report, and also have them to update my month-to-month revolving accounts. 

Thank you for your time and help.
Product: Credit reporting or other personal consumer reports

I was wondering why I couldn't afford even a slight help from a psychiatrist but then I remember that my loans are all getting declined because I do not have a credit score enough to get one. This is because inaccuracies are being reported on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card that I rarely used at the time, but now no longer use at all. It had a XXXX  balance last time I checked it. There was a fraudulent charge from XXXX on XX/XX/2018 for {$110.00}. On XX/XX/18 I realized that my credit score on XXXX XXXX had been impacted, so I looked into the situation. I noticed the fraudulent charge and then promptly disputed the transaction with XXXX XXXX. They refunded the amount and the late fees on XX/XX/2018 and considered the dispute closed. I reached out to them again to let them know that the reported late fees were still affecting my credit reporting. I reached out to Experian, XXXX and XXXX to report the issue and raised a dispute with all three bureaus. One bureau has the late payment still under dispute and the other two have reported it as resolved with no error found. My credit score dropped from around 795 to around 650 on the other two reporting agencies. Disputing a reported item will cause it to be excluded from a score, so my other score is still around 795. This is now a huge problem because my husband and I are trying to buy a house and his score is around 800. The lenders are giving us rates 0.375-0.5 % higher just because of this unresolved issue on my credit report. I am now not sure which way to go about this now. Wells Fargo has been no help.
Product: Mortgage

I applied for Homeowners loan financial relief through the Alaska XXXX XXXX XXXX, Application # XXXX, I applied XX/XX/XXXX, Submit the XXXX, with application received XX/XX/XXXX. Deadline was XX/XX/XXXX. XXXX. We went through every step required and were denied due to our homeowner 's loan being through our Business account with Alaska XXXX XXXX XXXX. The business closed in XXXX of XXXX. The Bank gave us a business loan in XXXX to buy our home since we couldn't qualify for a conventional loan. It wasn't an equity loan for the business because the business was already closed. We gave them all the loan paperwork, plus the second we took out on our home to pay off the business line of credit we owed on. This process took Alaska Housing 3 months to process on their part. Finally, XX/XX/XXXX they denied my appeal because XXXX ) Both documents are documented business loans, but the business closed in XXXX and the loan for the house was in XXXX. XXXX ) Both loans had a loan date of XXXX and XX/XX/XXXX of XXXX. The reason was the loan had been extended year to year and they were due again. The Bank wrote a new loan for 15 years to help us out, so we weren't having to renew every year. The loan numbers never changed and were just renewed to prevent foreclosure. I provided Alaska Housing the contact info for our loan officer to verify the information I provided them, but they were never contacted. I have been unemployed since XXXX and XXXX limited to a XXXX. I have been turned down on all my interviews to date. When I researched the XXXX program it states any mortgage, or deed of trust, through any business identify holding the deed of trust. There is no language that states it can't be through a business loan for my personal home. My wife and I won't be able to make XX/XX/XXXX payments on the XXXX and XXXX. We are also our being foreclosed on for our property taxes that exceed XXXX Dollars. Any help would be appreciated.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting disput letters to the Credit Bureaus that about the fraudulent information on my Credit report and that they must remove the disputed accounst in accordance with the FCRA section 605b. I am appalled by the capacity of the Credit Bureaus to keep ignoring a consumer 's written requests for the removal if the accounts and iformation resulting from the identity theft. Once again, I was a victim of identity theft and that the accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits from the theft of my identity. I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove any account which was found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for yours and the bank 's records. Please remove these files. If the Bureaus feel there is a possibility these accounts belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification for Previous Dispute Dear Experian, I am writing to request the method of verification for a dispute I previously filed. The details of the dispute are as follows : Dispute Date : XX/XX/year> Account Disputed : XXXX XXXX XXXX  Account number : XXXX Despite receiving your response regarding the outcome of my dispute, I would like to understand the process and sources you utilized to verify the information in question. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to know how the disputed information was verified. 

Please provide a detailed explanation of the method of verification, including the name and contact information of the individual or entity that supplied the information. I appreciate your prompt attention to this matter and look forward to your response within the time frame mandated by law. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you