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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$8100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT -- 1. XXXX  CARD with ACCT # XXXX opened on XXXX XXXX, 2016 with a credit limit of {$4500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 2. XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a credit limit of {$8100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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. also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Convergent Outsourcing by mail on XX/XX/23 in regards to this debt that was added to my credit report recently. After investigation this debt is for an apartment that I never resided in. I had no idea of this debt and asked for validation and no information or response was provided as of today which is XX/XX/23. This discrepancy should be removed asap as it is not accurate. This is hurting my credit score and should not be reported. Please delete this account.
Product: Mortgage

To whom it Concerns, I currently have a mortgage that is held by XXXX XXXX. This loan was made in XXXX, XXXX. My original loan Servicer, XXXX XXXX, handled my loan and encouraged weekly and bi weekly payments. I made 3-4 payments per month, also making {$100.00} extra per month since I purchased my home. My Loan Servicing company changed in XXXX XXXX to Specialized Loan Servicing ( SLS ). I continued to make my partial payments for 3 months. Unfortunately, they have told me that their system is unable to properly process these partial payments. As a result, they applied my payments to principal ONLY and disregarded it as payment towards my monthly payments, and now my loan has now been reported to the Crediting Bureaus as Delinquent. Upon the request of SLS, I quit making partial payments with no resolve for prior payments, and after NUMEROUS phone calls, Certified Letters, and Faxes, they have not fixed anything per my requests. I have provided them with ALL payment information of 100 % monthly PAID balances. They have not fixed anything, nor care to. I do not know what else to do. I am 100 % on time, every time with my mortgage, and because of their SYSTEM ERROR at SLS, they are now reporting Delinquencies to the Crediting Bureaus. Please provide me with some assistance or information on what to do, or who to call. Thank you for your time and have a great day!
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I discovered that my Coinbase and Coinbase-XXXX accounts had been compromised, and all available funds ( about {$21000.00} ), were taken. As there are no phone numbers to call, I promptly reported the incident on Coinbases website and received an email notifying me that my complaint was recorder as Case # XXXX ( Exhibit XXXX ). 

On XX/XX/2021, I received an email from Coinbase with the subject ; Case # XXXX - Complaint # XXXX, indicating that on XX/XX/2021, an email was sent to me requesting to reset my password ( Exhibit 2 ). I never received such request.

It has been almost five months, getting close to half a year, since the incident was reported, and no resolution has been provided. The financial implications of the go beyond the loss of the account funds, as a result I will be facing are tax liabilities as well.

I recently learned that Coinbase publicly acknowledged that at least 6,000 accounts were hacked due to a flaw in an internal process, and their funds were stolen during the time and in a manner like how my account was compromised ( Exhibit 3 ).
Product: Vehicle loan or lease

I have my boat loan with Yamaha Motor Financial company. They have terrible costumer service for one. And two, I have my account set up with auto-pay. My bank does a 5 day check payment, and only withdraws the money once the payment has processed with the payee. Yamaha is claiming they did not receive my payment until 2 days after the due date, and now charging a late fee. My bank statement shows that my payment posted with Yamaha on the due date. I submitted my proof with Yamaha and they are still refusing to reverse the late fee charges! I HAVE PROOF of payment on time!!!! Yamaha is TERRIBLE!!!! 
*I also make larger payment amounts, not just the minimum payments. Oh, and double payments. So, tell me why they won't reverse their mistake on an account that is an upstanding one??
Product: Student loan

XXXX charges higher interest and I do n't believe to be amortizing my loan correctly.
Product: Checking or savings account

I cashed out my pension and went to my bank, Wells Fargo to deposit the funds. Shortly after, a total of {$75000.00} was wired out of my account. I did not initiate or authorize the transactions which were as follows : {$25000.00} on XX/XX/XXXX {$25000.00} on XX/XX/XXXX {$25000.00} on XX/XX/XXXX I reported the issue to Wells Fargo as soon as I became aware on XX/XX/XXXX and they denied my claim of fraud on XX/XX/XXXX. 

In the course of my attempts to follow up with Wells Fargo I have been bounced from department to department, provided varying case/claim/reference/account numbers, and told on three occasions that no claim could be located and I had to file a new one, and given a different answer and time frame every time. 

My claim was denied on the grounds that the wires were requested through an online banking service using my username and password, and a one time passcode that was sent to my phone. 
I did not request the transfers nor did I ever receive a passcode. 
I contacted Wells Fargo on XX/XX/XXXX and requested the IP address for the device ( s ) used to request the transfers and the phone number the one time passcode was sent to. 
I was told by the agent XXXX that this information could not be released over the phone but would be provided by mail in 1-10 days. 
As of today XX/XX/XXXX, I still have not received this information from Wells Fargo. 
I called again today to follow up and was told by the agent XXXX, that the request was only received on XX/XX/XXXX, and they require up to 30 days to process my request.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, AL, XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX NOTICE Unlawful Furnishing of Bankruptcy Information Without a Permissible Purpose To Whom It May Concern, This letter serves as my final notice to TransUnion before I initiate legal action regarding your continued furnishing of bankruptcy information obtained from XXXX without a permissible purpose. Despite prior disputes and requests for immediate removal, you have failed to provide any lawful justification for your reporting of this item under the Fair Credit Reporting Act ( FCRA ). Updating information is not a solution. 
To be clear, the accuracy of the bankruptcy is not the issue in question. The issue is that TransUnion is required by law to have a permissible purpose to furnish information on a consumers credit report. Under 15 U.S.C. 1681b, consumer reporting agencies are strictly limited in how they obtain and report consumer information. XXXX is a third-party data aggregator, not a direct furnisher, and TransUnion has no permissible purpose under the FCRA to continue reporting this item based on information from that source. Your failure to verify and remove this item constitutes willful noncompliance with federal law. 
I demand the immediate deletion of this bankruptcy record from my credit file. If this matter is not resolved within 10 days from the date of this letter, I will pursue legal action against TransUnion for violations of the FCRA, including but not limited to : Willful and negligent noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1681o Failure to conduct a reasonable investigation as required under 15 U.S.C. 1681i Unlawful furnishing of information without a permissible purpose under 15 U.S.C. 1681b I will seek statutory damages, punitive damages, and attorneys fees in federal court. This is your final opportunity to resolve this matter before litigation. 
Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXXXXXX https : XXXX I recorded all the phone calls with the bank what they allowed the merchant to do was take money out of my account that did not have any money in it they did it with my debit card they ran the debit card after I walked out the office and my card was locked and I did not have the funds in the account so the card should have declined instead my bank gave them the money it was unauthorized I did not authorize him to do it and I've been asking the bank to refund me my money they won't do it I would like my money back so the first XXXX things that you see at the top are links to hear the videos because that is my proof I recorded the phone calls and I told them that I was recording the phone calls because they were to record in mind I don't think somebody should be able to go into my account and take money out when they get ready and my bank allows them and I've tried to dispute this a XXXX times every time they denied I disputed again but they are not disputed they're telling me they're disputing it but they're not I want this to be taken care of this bank has caused me a lot of grief a lot of suffering and what I want is my money back in them to pay for pain and suffering for me being homeless because of them taking my money and allowing this merchant to take my money
Product: Credit card or prepaid card

I informed Target multiple times of my situation in XXXX and XXXX. I attempted to contact the lawyers for target, but they ignored me and never returned my phone calls. Instead, they filed a lawsuit against me to scare me with a process server from XXXX XXXX XXXX delivering the lawsuit to my door when I informed them I could not work. Was this a violation of public policy? I was forced to hire a lawyer and file a bankruptcy which I never wanted as I worked hard for XXXX years keeping my credit in good standing and always paying on time ; look at my history with the credit agencies they were setting me up. Please review my credit history. 

In XXXX I was admitted to the hospital with an unknown serious medical illness. Following my hospitalization when I returned to my job at XXXX XXXX I was wrongfully terminated because of my leave of absence hospitalization with doctors still not sure what my medical condition was at that time. During that time I was very ill, and still, no diagnosis of why I was so sick with multiple hospitalizations in that time frame. After so many years of suffering finally, in XXXX I was hospitalized at XXXX and had numerous tests and exams performed that revealed and diagnosed me with XXXX XXXX. I received EDD XXXX money from XXXX until XX/XX/XXXX when it expired. After my XXXX expired, I had no income for food, clothing or shelter. EDD XXXX manager instructed me to file for Social Security as I had no idea something like this existed. My case was pending from XXXX until XX/XX/XXXX. While awaiting my social security, I notified all my creditors and communicated my medical situation and condition as I could not work. I am responsible as I always paid my car payments on time with XXXX XXXX, XXXX, and XXXXXXXX XXXX ( I paid off all my previous cars in full on time ), and school loans on time to XXXX University, XXXX XXXX XXXX XXXX XXXX University XXXX XXXX and XXXX University, etc.
Product: Consumer Loan

I sent multiple checks to Santander Consumer USA to pay off my auto loan sooner. To my surprise the checks were applied as regular payments. I called numerous times to resolve the matter, however they never did. I submitted my first complaint against them a couple months ago. Since then I sent in multiple payments again to payoff the car loan sooner. Again, the payments were not applied correctly and Santander collected interest from my payments. This resulted in my due date becoming XXXX/XXXX/2017! I called them once and sent them a written to have the matter resolved and the interest collected applied towards the principal balance. It was never completed. I followed up one last time as the balance of the loan was now low enough to payoff the loan. I was instructed by one of their reps to payoff the loan and the overage from the interest collected would be refunded back to me. I have not seen a dime of a refund from them nor have I been contacted for follow up with them. The last rep I spoke to over a chat told me they could n't do anything since the loan was now paid off. I pushed back and told the rep what I was told before. The rep was able to confirm what I was instructed to do per the notes on the account. However, she told me that management would fix it and send me the refund as the payoff to the loan should have been smaller if the payments were applied correctly. I still to this day have not received any correspondence from them nor the refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS BEYOND RIDICULOUS. I DON'T KNOW HOW THESE CONSUMER REPORTING AGENCIES CONTINUE TO GET AWAY WITH REPORTING INFORMATION WITHOUT PROVING ANYTHING. I KNOW FROM READING THAT I AM THE ORIGINAL CREDITOR SO HOW CAN THEY JUSTIFY THEIR ACTIONS.
Product: Credit reporting

I disputed a medical bill with Transunion and I did not receive any information within 30 days. I was informed that if they did not contact me within the 30 days, then the debt should automatically be disputed. I then called Transition and they need told me that they did not send me any mail and that they then would. It has been past the initial 30 days and I feel as if they were never going to email me, until I called. The man also had me verify my identity several times, which I had no issues giving the information, and had trouble even finding my account or the initial dispute, until I provided him with the information. I feel as though I should not have to pay the bill that I had disputed because they never sent it to my insurance. I also should not have to pay more than {$500.00} out of pocket, which the bill is more than that. Overall, the initial dispute has been past the 30 day window where they should have reached back to me and should be disputed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my XXXX, XXXX, and Experian consumer credit report I found that persons XXXX, XXXX, and Experian violated the fair credit reporting act laws and also damaged my consumer credit reputation with the following information listed Below 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681e - Compliance processes ( a ) Identity and purposes of credit users 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1666b - Timing of payments Experian is reporting the following accounts violating these laws : XXXX  account number XXXX, XXXX XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXXXXXX XXXX account number XXXX. 

XXXX is reporting the following accounts violating these laws : XXXX XXXXXXXX account number XXXX, XXXXXXXX XXXX account number XXXX, XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX. 

XXXX is reporting the following accounts violating these laws XXXX XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, Security Finance account number XXXX, XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX, account number XXXX.
Product: Mortgage

This has been going on for over 2 years. I pay XXXX in property tax because Im a XXXX Veteran with permanent and total at 100 %. My city back in 2020 sent a tax bill about property taxes. So my mortgage company ( Crosscountry Mortgage ) sent what I had in escrow to my city. I knew nothing of this till in XXXX I received a letter saying that my mortgage is going up because my escrow is negative ( because of the property tax bill ). I called my mortgage company and told them that I am at 100 % and I dont pay taxes. So my City treasury sent two checks back to crosscountry and from that point my life will become hell. No call backs, no email replys. Nothing but a bunch of just typical passing the buck. I told several people at crosscountry that Im a XXXX veteran and trying to explain that I never paid property tax. Ive told them that Ive gotten so hopeless with this that I wanted to shoot myself. Ive mentioned to several people that I suffer from combat XXXX. Nothing happened! They just keep sending bills every month and I truly dont know what else to do.
Product: Credit reporting

Medical collections that was removed by company has been re-inserted as a collection on my credit report
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending a letter demanding {$1000.00} for each remaining item Equifax leaves on my credit report. If these items are not removed I will be going ahead with my FCRA lawsuit. I have given Equifax many opportunities to delete this information but now I am left with no choice. An automated computer response will not suffice as an answer. I want a real response from a human being
Product: Mortgage

My house loan contract says if I can pay of mortgage to 20 % of loan value the pmi will be cancelled as long as the the house was accessed to not drop below value. I saved all year to get to this point. I have requested and sent them XXXX $ fee for bpo as they requested. They sent me back an email saying that they refused to even evaluate or to remove PMI because I had not done significant upgrades to the house. Nowhere in the contract is anything mentioned about upgrades. I think this is dishonest and basically theft. The loan is managed by loancare. This is the last email I was sent " Unfortunately, we will not be able to proceed with your request. XXXX XXXX requires significant upgrades in order to proceed because your loan is under two years old. I have attached their guidelines for you to review. You may have to copy and paste if the link if doesnt open. Please be advised that once the loan is two years old, the list is no longer required to proceed. You will be refunded the {$100.00} paid for the BPO. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX provides incorrect credit scores to various creditors. I make six figures and over the past year I tested and applied for 2 credit cards. All my bills are paid on time. The only debt on my credit report and XXXX in both applications recommended denial of credit. Stating I have delinquent accounts. This is retaliation and discriminatory.
Product: Credit reporting or other personal consumer reports

Hello, in XXXX of 2023 there was fraud done on XXXX of my XXXX  XXXX cards. I was a victim of fraud last year in XXXX. purchases was made on all three of my XXXX  XXXX credit cards. i called XXXX  XXXX and they never reached back out about the update on yhe investigation. They just closed all three of my XXXX  XXXX credit crads, so I thought I did not have to deal with them anymore, even though i eas sad i could not use or have my credit cards anymore and i was with them for years. Fast forward I noticed even though they closed my accounts and I could jot lof back into credit card accounts that they was reporting late charges on my credit files with all three credit bureaus. which affected me drastically, i called XXXX  XXXX and they said they could not do anything even though the fraud in fact did happen on account. Now I cant purchase home or do anything because of my credit files. Please help get these XXXX  ones off my credit.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute regarding the bankruptcy reported on my credit report. However, the credit bureau verified the account as accurate without properly reinvestigating the account. I was informed that the information was reported by XXXX, but this is not accurate. After obtaining a copy of my XXXX report, I can confirm that no bankruptcy is listed. I am attaching a copy of my XXXX report showing they are not reporting a bankruptcy. I have also contacted the XXXX XXXX XXXXXXXX and they advised they do not report ANY information to ANY credit bureau! 

If the credit bureau is unable to verify or validate the information as required by 611 ( a ) ( 5 ) ( A ), I request that this account be deleted immediately. The bureau is already exceeded the 30 to 45 day timeline they have to validate this account.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : 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