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

Regarding Disputed Credit item USAA SAVINGS BANK Date Opened XX/XX/2021. 

Dear XXXX XXXX,. 
I do not recognize or acknowledge the following items listed on my credit file : USAA SAVINGS BANK LOAN TYPE CREDIT CARD I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding this item listed on my credit file : USAA SAVINGS BANK Date Opened XX/XX/2021. 
As per Section 609 FCRA, I am entitled to see the source of the information, the original contract containing my ink Signature. 
If you can not verify this account with the original contract, I will expect a response of receipt of this letter to see the item in question DELETED OR REMOVED from my credit file. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX Account number XXXX Balance {$14000.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX  Original creditor : XXXX  XXXX  Balance updated XXXX XXXX, XXXX  Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX Original balance {$1000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX 
Account number XXXX Original balance {$480.00} XXXX  XXXX XXXX Balance {$600.00} 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: Credit card

I used my Bank of America Visa credit card to pay for the parking at XXXX XXXX in XXXX, MA on XX/XX/year>. The all day parking fee is {$20.00} paid at the entrance. The transaction was posted on my credit card the following day, XX/XX/XXXX. That is when I was able to see that, instead of {$20.00}, I was charged {$200.00}. I suppose it was a typo made by the parking attendant. I immediately filed a dispute with my credit card and explained what happened. The XXXX dispute department requested that I provide a receipt as an evidence. I called XXXX to explain that ( i ) I was not given a receipt, just a parking ticket showing that the parking was paid ( attached ) and ( ii ) even if I had a receipt, it would have shown the amount of {$200.00}, which is incorrect. After spending almost an hour on the phone with the dispute department representative, who kept repeating that without a receipt, they wouldn't be able to approve my claim, I escalated the issue to the supervisor 's level. The supervisor was more helpful ; he suggested that I provide a confirmation from the XXXX XXXX parking that the daily fee is indeed {$20.00}, as an evidence ( attached ). I did provide this and expected a quick resolution after that. Unfortunately, a few days after, I received a notification from XXXX that my claim was denied because I had not provided a receipt. I called the dispute department again and, after spending almost XXXX hours on the phone with the staff ( including the supervisor ), I was not able to get any understanding. Although admitting that a receipt would not be useful to prove my claim, the supervisor refused to consider anything else and to help in resolution of the case. 
Effectively, the credit card company sided with the vendor, refusing to accept that the vendor could have made a mistake and making a customer pay for this mistake. While my case doesn't seem that unusual - anybody could make a typo- the credit card company apparently doesn't have a solution for helping customers to correct this. A price confirmation from a vendor should be a valid evidence to rectify an erroneous transaction, but the XXXX doesn't seem to be interested in being helpful to its clients. 
After failing to get any resolution from XXXX, I also tried to contact XXXX XXXX parking, but have not succeeded.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the credit report, there are a number of issues regarding the unfamiliar derogatory accounts on the credit file. Transworld systems/Inc 51 account XXXX has medical bills that are unfamiliar. Account has updated the status of XX/XX/XXXX, however, the date of service is different. Due to the LAWS of XXXX  institution offers financial assistance when patients experiencing hardship. XXXX XXXX XXXX received financial hardship forms regarding balance. When the follow-up appointment, i was informed debt was satisfied.
Product: Debt collection

I sent a debt validation letter to XXXX XXXX XXXX XXXX on XX/XX/25 using certified mail. It has been over XXXX  days, and I havent received any response from them. 

According to the Fair Debt Collection Practices Act ( FDCPA ), they are required to validate the debt before continuing collection, but they havent done so. 

Even though they havent proven the debt is mine, they are still reporting it on my credit report and damaging my score. This is unfair, and I want this debt removed since they failed to validate it. 

I need the CFPB to step in and make sure they stop collection and delete the debt from my credit report since they didnt provide proof. 

Thank you.
Product: Mortgage

I have previously submitted 2 complaints about this company and situation. Previous complaint # XXXX and # XXXX. Pertinent documents were attached with the previous complaints.The saga continues. I had XXXX this year and made a payment arrangement with the mortgage company to spread the payments I would miss over a course of months. I received a signed letter from the company stating what the arrangement agreement was. A month later I received a letter stating I take a loan modification or face foreclosure. That problem was supposedly resolved after the 2nd complaint to you. On XXXX XXXX, XXXX at XXXX XXXX I spoke with XXXX at XXXX XXXX about a payment made and advised her it was guaranteed to be received that day. She proceeded to ask if this was the amount on the loan modification that was showing on my account. Imagine my frustration and disgust that this company is still trying to bully me into this modification. A loan modification would benefit them by extending the terms of my loan and give them added interest payments on that loan. I informed her there should not be a loan modification and asked why it was still showing. No answer to that. I fear that this will be an on going problem and this company has shown over the years that they ca n't be trusted. My mortgage was sold to XXXX many years ago, their name changed to Green Tree and now it 's Ditech. All owned by the original Everhome. It 's just the wolf in a sheeps clothing. Also as a result of the original complaint I was not to be contacted by phone anymore and of course, that is still happening. I sincerely wish I could get this mortgage into a more reliable and trustworthy company.
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 Experian credit bureau 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 following erroneous information that needs to be investigated and delete, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recent inquires that I do not know about about my XXXX  report. The companies are XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit report has 2 names listed. One of them is incorrect. Not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

XXXX  XXXX XXXX NOTICE FAULT FOR INFORMATION REQUEST XXXX, XXXX your on notice also failure to comply to request for verification documents XXXX, XXXX, XXXX, The CFPB is notified for this as witness to the facts that your refusal to produce the documentation I need, I do not want copies of documentation but actual documents NO HEARSAY, Also the HIPPA VIOLATION needs to be addressed in this dispute
Product: Checking or savings account

PENNYMAC has been taking {$2100.00} from my account and the sending me a refund check ten days later. Every month. 
I have called them to correct this and they swore that it would stop. 
When they remove my money. It leaves me broke every month. 
I now own my home and have no mortgage. 
Please make them stop removing money from my Loan # XXXX i moved and
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had long-standing problems with Equifax. Ever since I sued them for their breach of credit data, we have had great difficulty getting them to unfreeze our credit reports when we seek to refinance. 

I have been trying to get it release all fall for a refinancing we need to do. I have detailed my experience in a blog I posted on my website XXXX. The link is XXXX XXXX XXXXXXXXXXXXXXXX XXXX 

I have tried faxing, at least twice, and mailed the paper requests. Again today, XX/XX/2021, I got letters from them requesting the same information I have sent in twice before. The certified return receipt was stamped XX/XX/XXXX. The date on the statement we need to submit is XX/XX/XXXX. We have submitted all this information multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. I also have numerous inquiries listed on my credit reports that are not mine. Someone is using my information and trying to open up accounts in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have checked my credit report and noticed some fraudulent activities on my report. I did a FTC report and included it below of all fraud accounts and names and addresses. 
I have never lived at these addressesXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never worked here : XXXX XXXXXXXX XXXX I never authorized these inquires : 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX Subject : Dispute of Inaccurate Reporting Under FCRA Dear XXXX XXXX XXXX, I am writing to formally dispute the reporting of my account with your company, as it pertains to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). This section clearly states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I would like to bring to your attention XXXX XXXX XXXX, which I understand is associated with this account, can not collect on a discharged debt. This debt is now considered a certificate of indebtedness per the IRS, and it is my understanding that income associated with this charge-off can not be reported as it is defined as gross or ordinary income by the IRS.

As such, the reporting of this account on my consumer report is inaccurate and misleading. According to IRS guidelines, income derived from a charge-off should not appear on a consumer report, and therefore, I am requesting that you review this situation and correct the information you have provided to the consumer reporting agencies.

I kindly ask that you take immediate action to ensure that my credit report is accurate and free from misinformation. I would appreciate email confirmation of your findings and any actions taken in response to this dispute. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

My Credit report is incorrect. I attached an sign letter to explain everything.Thanks.
Product: Credit card or prepaid card

XXXX charged to my personal credit card versus a business card advertised on the phone by Bank of America
Product: Mortgage

In XX/XX/XXXX I reviewed my statement and discovered that several thousands of dollars in fees had accumulated in a separate balance on my mortgage account. Those fees were not reflected in my outstanding balance so I never noticed they were present until I checked my statement. After reviewing the fees, I discovered that I was being billed for electricity and several property inspection fees as if my home was in foreclosure, but my account was current and a tenant lived on the premises. An investigation revealed the mortgage company, which at this time was Ocwen, called my electricity servicer, XXXX XXXX XXXX XXXX and XXXX, removed my tenant 's name from the electricity bill, and billed me for those fees. Those fees accumulated in this separate balance for several years dating back to XXXX. I also discovered that I was billed property inspection fees, trip charges, etc. The current mortgage servicer, PHH Mortgage, has refunded some of the utility fees dating back to XX/XX/XXXX, but I have disputed an additional two years of fees. This dispute has been ongoing since XX/XX/XXXX and PHH mortgage has been very slow in remedying the issue. The mortgage company had no right to intervene in my affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX issues with us dept of education I filed bankruptcy in XXXX to only XXXX bureaus XXXX and when I was doing my paperwork last year for the forgiveness program I was informed I was in bankruptcy I challenge them and when I call them and ask why am I in bankruptcy still and my full discharge was in XX/XX/XXXX. The person on the phone said my bad we forgot to remove you so then they did the most unethical thing they deleted the XXXX entry from XXXX and now is blank because they know they could not enter it twice so they reported my bankruptcy date as of XX/XX/XXXX this is wrong report and needs to be deleted this drop my point by XXXX points and I want them put back or we will be in court about my credit profile. 

I applied to go to XXXX XXXX that was in the XXXX 's they then change their name to XXXX XXXX I never went to the school because I found out I was pregnant and could not attend. At that time was when paper checks were being issued they returned XXXX of the loan an never returned the rest no this has ballooned out of control I have been saying this for 25 years. Then come to find out this was predatory school and they are now closed when I ask for transcripts if I went there they could never produce them. How I found this out was went back to school in XXXX at XXXX XXXX I was granted full financial aid and then when the spring semester came about they told me I did not qualify for financial aid because I had a defaulted student loan from XXXX I ask them where this loan has been for all these years and I had a very common name XXXX XXXX Then I was XXXX XXXX my first husband I have applied for the forgiveness and it has been a year now no word. They have repeatedly sold this loan again and again and a lot of this is interest and lots of offsets. I disputed this with the Bureaus since last year
Product: Credit card or prepaid card

On XXXX XXXX XXXX I opened a secure credit card with Discover to help build my credit, and was approved on the application. The very next day I contacted the chat and Indicated I made a mistake on the address. I accidentally put the wrong street number, same numbers just incorrect order, the street name, city and zip code was all correct. I was advised wait until the application was approved and the deposit was received and the change of address issue will be simple. On XX/XX/2022 {$200.00} was pulled from my bank for a secured deposit. I then again processed to call discover once the whole process was approved, I was transferred to at least 5 departments in a series of calls that lasted 2days. They told me in order to verify my account and change my address I would have to verify my number and I said fine. However the numbers I provided they stated Could not be verified. 

I have only owed one US number with a major provider and I stopped using them some months ago, The number I signed up with could not be varied even though it was good enough to verify me to take my money. I told them If I can not change the address on the form my neighbors down the road to my address then I would want back my money. They indicated that refunds are only given by check and that check would be sent to the address on the application. I further got upset because XXXX. I am not getting the service, 2. my money was taken, 3. I could not get a refund as they told me the money that came out of my bank can only be sent to an incorrect address. As a result of Discover to help me and after talking to several agents and supervisors I had to contact my bank. 

I contacted my bank and told them discover refuses to provide a service for me and i can not get my money back. This was unfair and I would like my money back. The money was pulled on XX/XX/2022 I received back my money. 

on XX/XX/2022 Discover emailed me to discussed about my account and returned card in the mail. while on the call I asked If i could try to apply for discover card again since the last time I had issues with my address, they indicated yes. I processed to apply and I was denied, I called and asked why I was denied, they indicated that I had an application open even though my account was closed, They have fixed the issue and I can apply gain. 


In all this process I gave up on discover and was trying to gain another credit card a secured one to build my credit. and because of the fact that discover failed to help me change my account, refunded to give me a refund that would actually go to me and had me applying for their credit card multiple times as the indicated I have the go head has lead to multiple credit card attempts on my report, 2. a closed account on my account even though I have never got a chance to use it. 

I approached discover to try and build my credit and my experience with them has led to me being worst off and now unable to get any credit card no time soon from any other company.
Product: Credit reporting or other personal consumer reports

I applied for a credit card. I got a letter from XXXXXXXX XXXX stating the information you provided says Im deceased. Im not
Product: Credit reporting or other personal consumer reports

the following account being reported to my report is a result of fraud and identity theft Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent {$240.00} to a XXXX XXXX via XXXX through my Wells Fargo account for purchasing an XXXX XXXX XXXX XXXX from the XXXX XXXX. He was supposed to ship the watch the next morning. I never heard from him again after sending him the money. On XX/XX/XXXX, I filed a claim through Wells Fargo. On the morning of XX/XX/XXXX, Wells Fargo informed me that they denied my dispute.
Product: Money transfer, virtual currency, or money service

Coinbase Inc has held my money hostage for over three months without any resaon or any end in sight. I had my account restricted in XXXX which means I can not buy, sell, or trade any of my crypto currencies on coinbase.com. They have not given me a reason why they restricted my account and refuse to communicate any info as to how to remedy the situation. I have also filed a support ticket and issued a formal complaint and still nothing. I currently have XXXX dollars worth of crypto and am in desperate need of my funds. I have sent documents to confirm my identity and still they say nothing.They have also issued me a coinbase visa card and as soon as I try to use it they say I am not permitted. Please help me.