23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to address the recent verification of my dispute regarding fraudulent items on my credit report, submitted under 15 U.S.C. 1681c-2. While I appreciate your attention to my identity theft claim, I am concerned that a certain account remains on my report, violating the Fair Credit Reporting Act ( FCRA ). Moreover, this account was previously deleted and subsequently reinserted without proper notification, which represents an additional violation of current regulations. 
According to 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days. Therefore, any accounts that were not removed in compliance with this law must be deleted immediately. 
Additionally, under 15 U.S.C. 609 ( a ) ( 2 ), consumers are entitled to an accurate report, and 15 U.S.C. 1681i ( 7 ) requires that any unverifiable information be removed from the credit report. 
Accounts in Dispute : - XXXX XXXX XXXXXXXX XXXX XXXX # XXXX ) - XXXX XXXX XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Violation Due to Improper Reinsertion Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit bureau can not reinsert previously deleted information without certifying its accuracy and notifying the consumer within five business days. In this case, I have documented proof that this account was deleted in a prior dispute and was later reinserted without proper notification, which constitutes a violation of the FCRA. 
Furthermore, under 15 U.S.C. 1681s-2, information furnishers are prohibited from reporting inaccurate or unverifiable information. Since this account was previously deleted, its reinsertion without new verification violates my consumer rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased {$200.00} of Bitcoin from Coinbase. On XX/XX/XXXX that charge cleared my bank account. Then on XX/XX/XXXX Coinbase hit my bank account again for {$200.00} ( unauthorized ). This caused an over daft in my account and left me with no money.

Coinbase is not answering the phone and the web support is unresponsive.

As of now Coinbase owes me {$200.00} and an overdraft fee.
Product: Debt collection

They call all hours Im trying to pay it I have a garnishment coming out I cant get a head when Im being garnished
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reporting agency had deleted an account XXXX XXXX XXXX off my account now they re-inserted it again. This account was deleted and should not be reinstated.
Product: Credit reporting

My wife and I declared Chapter XXXX bankruptcy in XXXX, 2013. Our petition was accepted and we have been current on all of our plan-related obligations to date. However, XXXX creditor, XXXX Bank, has continued to report late payments almost every single month to all XXXX credit bureaus. 

Last month I submitted a direct dispute request to Transunion via XXXX XXXX, but about a week later the dispute was completed with no change being made to my credit report. 

What are my rights and how should I handle this?
Product: Bank account or service

As a Bank of America customer, I got automatically enrolled in the Bank Of America Privacy Assist program in XX/XX/XXXX and was charged $ XXXX/month since then. I saw the press release published at : XXXX I canceled my account today ( XX/XX/XXXX ) and wanted to get a full refund starting with XX/XX/XXXX. The customer representatives from BOA Privacy Assist stated that my account was not affected by the " unfair billing practices '' mentioned in the press release, i.e., I was not part of XXXX customers. Would it be possible to confirm that this lawsuit affected only a subset of Bank of America Privacy Assist customers, or am I being deceived by the Privacy Assist team?
Product: Debt collection

I was told if I returned a XXXX water dispenser it would make my bill XXXX and take it off the credit report. After I did so the bill increased from XXXX to XXXX due to fees even though I never received a bill for these fees. After XXXX calls they told me to email the receipt and threatened me stating, " If you have an attitude I am going to smack you. '' a threat of physical harm. I was not allowed to talk to a supervisor and the email was not given. I had a XXXX XXXX. The amount credited was then XXXX, then XXXX and finally I owed XXXX with no explanation. XXXX staff admitted the threat was on a recording as was the original promise.
Product: Credit card or prepaid card

In XXXX of this year a friend and us booked a set of rooms on XXXX on the beach, we payed for all of it on our card. As Covid and the time progressed we tried calling and asking if the hotel would be open or not. This was a long trip and i didn't want to travel to a hotel and find we would have no place to stay. 

We asked XXXX several times and they could not get in touch with the hotel it's self. The Hotel page on XXXX says the hotel is closed still today. We were going to go several weeks ago but could not find out if anything was open. 

XXXX offered us a voucher for the same hotel and good for one year. We turn this down as one, i don't know if that place will be around in one year or even available. We didn't cancel, the hotel was and still is closed. Since we used our credit card with protections on it, we should get our money back. 

I did not receive goods that i had full intention of getting and paying for, yet i am holding and empty bag ... 

I filed a disput with XXXX, our credit card company and it got rejected. We have called, used online chat with XXXX. With the credit card company had to mail proof and submit everything via mail. Thus i paid postage to get this done. Then they rejected it without any correspondence or even asking any questions. It was very one sided. 

Total amount is {$1000.00} Card company is Capital One Visa card.
Product: Credit reporting or other personal consumer reports

i want these hard inquiries to be delete, I did not authorize those company to ran my report. that is fraudulent. 

XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX -, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. 

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX : XXXX. 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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I pulled my credit and found that someone has been using my SS XXXX and DOB XX/XX/1985 to open up credit cards and accounts! The following accounts are not mine and needs to be removed from my credit reports : FEDERAL ADJUSTMENT BUREAU INC # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
Product: Student loan

My loans were originally serviced by XXXX XXXX. On XX/XX/XXXX, I submitted the attached form to XXXX XXXX in order to request loan forgiveness. Based on previous work experience, this would have put me at 120 payments. I called XXXX XXXX and they verified that all my employment verification paperwork was correct and that I had 120 payments required for forgiveness. 

XXXX XX/XX/XXXX, my loans were transferred from XXXX XXXX to MOHELA. It took approximately 3 weeks for my loan information to show up in MOHELA 's website. When the information did show up, it showed that there were 111 payments that were eligible. 

Payments from XX/XX/XXXX until XX/XX/XXXX are marked as " Employment Not Certified '' even though the attached document clearly states that I was employed at a XXXX XXXX during this time. Payments past XX/XX/XXXX ( XXXX XXXX XXXX  ) have been approved and I have not changed employers during this time. 

I called MOHELA on XX/XX/XXXX to ask why the payments did not come over, and they stated to upload the PSLF Application again to their website in order to verify the form was correct. The customer service representative further verified that I had enough payments and that it was filled out correctly. I was told that it would take up to 90 business days in order to process this form. 

Around the end of XX/XX/XXXX, the form went from a status of " Processing '' to " Processed ''. I waited a few days for the website to reflect the additional qualifying payments, but it remained at 111 qualifying payments. They still did not count the payments from XX/XX/XXXX until XX/XX/XXXX. 

I called MOHELA on XX/XX/XXXX to voice my concern about the payments not being correctly applied. I stepped them through the process, and the representative agreed with me. The representative told me that it would go back into " Processing '' and would be reviewed within _another_ 90 business days. 

This is now 6 months of waiting on a correct form to be approved. Multiple agents have verified my paperwork and employment. Instead of processing the form, they are purposefully delaying me 90 business days whenever I speak to them. 

This is an unfair business practice. I have jumped through all of their hoops and my forgiveness just keeps getting pushed further and further into the future.
Product: Mortgage

In XXXX we took out a mortgage on the house we bought at XXXX XXXX XXXX XXXX GA XXXX. We paid on that mortgage until XXXX when we paid the mortgage off. We had the original mortgage with Suntrust Bank in GA ( acct # XXXX ) and it was still Suntrust Bank. 

This year, in XXXX we sold the house in XXXX. When we went to the closing on XXXX XXXX, we were told that we had a lien on the house because there was an open line of credit on the house but they could not tell is we owed money or not. We called Suntrust which is now Truist Bank and no one could find any trace of the original mortgage much less the " open line of credit ''!! We spent the next MONTH and hours and hours of our time trying to get this resolved. It cost us {$88000.00} at the closing!!! This money was held because Truist could not figure out what happened and apparently was not worried about fixing it. We filed a LIEN RESEARCH REQUEST FORM as we were told on XX/XX/XXXX ( the day we closed ) and were told it could take up to a month. On XX/XX/XXXX we spent another 2 hours on the phone with the closing attorney attempting to find out why it had not been resolved. No one we spoke with could find any evidence that it is being investigated. We do NOT WANT this hanging over us. It needs to be cleared up. I can find that we paid the mortgage but the closing attorney said they must not have notified the appropriate local agencies. We are at a loss!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX WY XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Balance XXXX {$2100.00} XXXXXXXX XXXX XXXXXXXX Original creditor XXXX XXXX XXXX XXXX  XXXX Balance : {$980.00} XXXX XXXX Original creditor XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : - XXXX XXXX  XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$900.00} ( Original Creditor : ) XXXX Balance : {$500.00} ( Original Creditor : ) XXXX Balance : {$500.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX FCU Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I wrote Equifax to request old/inaccurate addresses be removed from my credit report. The only address that should be reporting is XXXX XXXX XXXX XXXX, MD XXXX. It's been well over 30 days and they have done nothing. I also sent identifying documents and a bank statement to verify my current address.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and to request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are fraudulent and were created or impacted due to identity theft. 
ACCOUNTS : XXXX  XXXX Bankruptcy Case Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

over the past couple of months, i have requested from all 3 credit bureaus that i need to see verifiable proof of what is being reported is 100 % accurate. i have asked for documents that bear my signature as proof. all 3 credit bureaus have failed to produce any documents or explain to me how these negative accounts on my file were verified and through what manner they were verified. all i am getting is a generic response from them that it was verified, and no reason or explanation on how, or who they spoke with or what documents were provided to verify the negative accounts that i have disputed.
Product: Vehicle loan or lease

I leased, with the agreement to purchase in XXXX  years a XXXX XXXX XXXX XXXX in XXXX of XXXX. The lender is US Bank. As part of the lease agreement the lender was to send a current registration to me annually in order to renew my vehicle license tags through our local license bureau. The process began in XXXX of XXXX when we failed to receive our current registration in order to renew. US Bank customer service representatives and legal representatives continued to dismiss our requests and complaints and as of today, XX/XX/XXXX I still do not have my current registration. I have been unable to move my vehicle from my garage since the tags expired in XXXX of XXXX. I am receiving no cooperation from this lender, US Bank, although I continue to make my timely lease payments each and every month. I would greatly appreciate some sort of assistance so that I can drive my vehicle legally. 

THANK YOU
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have 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

I requested validation from this company that includes my signature. The company sent a bill statement from XXXX XXXX in which I never had an account with. 

Ive also sent a certified letter on XX/XX/18 request that this company cease with the telephone calls and hey have violated my request by calling two times a day after the letter was delivered.
Product: Mortgage

Purchased my home XXXX XXXX XXXX was the bank holding my mortgage. My mortgage went from {$2300.00}. To {$2800.00} in a year at 6.5 % I reached out to XXXX XXXX in XXXX ( which his office tried to playoff that they were a law firm, they did nothing for me! ) you need to look into his company too. I stopped making payments for three months, it got their attention In XXXX I was granted a mod. In XXXX paid XXXX I signed documented papers from XXXX star. Paid XXXX XXXX mortgage, paid XXXX XXXX mortgage, it gets returned to me in XXXX. Took months before I was able to speak to anyone was told that I did not have a mod and they stated that will just return any payments from me ( LOL I have signed docs that I do ) XXXX went on for months scared of losing my house XXXX the un caring people at XXXX XXXX went to see lawyer # XXXX told me to get the following info. Went to lawyer # XXXX he sat on this for two years doing nothing for me but getting me more in debt. Now with lawyer # XXXX still currently with. 
My loan was sold to Fay Servicing, in XXXX. Lawyer # XXXX just wanted to settle, I did not! XXXX I have been threw, damages from XXXX storm could not reach out to XXXX because the state of the house was in foreclosure. As soon as XXXX XXXX from Fay Servicing wanted XXXX told my lawyer I did not have that much I was denied finical help. As of today working with my lawyer, not sure how all this will pan out. 
There are no longer honest people out there. The lawyers, mortgage brokers, and the bank that totally XXXX, sells to Fay Servicing who is in turn is doing the same thing. XXXX XXXX XXXX settles what happens to people like me that has been through XXXX and the ones that have lost their homes big deal they got a check. 
There is so much more to this story, just wanted to make it short.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two years ago I found out that a car I cosigned for my daughter which was totaled had an amount still outstanding. XXXX paid it off except for about {$1200.00}. I was wholly unaware of a deductible because I was a silent party to the deal. Once I found out about it through my credit report, I contacted the company who wanted to settle it. I refused to settle it and wanted to pay it in full show that it was reflected in my report. They had it showing as a charge-off. I contested it because I never received notice of it. They had my address and license ( and did the deal via telephone ). I signed and sent paperwork via XXXX. Because they had my address as a co-signor, the representative agreed to reflect it differently as paid in full and not as a charge-off. They sent me a letter stating so ( attached ) and changed it which allowed us to be able to purchase our home. Now 2 years later, we found out it is again reflected as a charged-off account. We do not know why they reverted it to charge-off status. After calling them and trying to speak with someone who could help, we have decided to open the matter with you. We can not open a dispute because the bank ( s ) will not do a deal with open disputes. We had to rectify something that looked like a dispute on my husband 's record from 15 years ago that had already been taken care of. We do not know how these records keep reverting back with old information or erroneous information. But now time is of the essence. We were supposed to close this Friday and the second bank backed out because they won ; t do business with anyone with a charge-off in the last 5 years. I am being deployed on XX/XX/XXXX and can not take care of business while away. CAN you help us? Time is of the essence. I am attaching the paper work.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX : XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

I would like to speak with someone who can represent me. I am constantly making payments and my debt has not changed within the last year. I would like a representative to take a closer look into my account with Barclay and see what is going on. I feel cheated and mislead.