23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by Credit Corp Solutions on the phone and via email. This debt is not owed by me and I would like for this company to stop contacting me. I even tried to verify this debt on their website with my DOB and last four of SSN and it says not found. Original account number is XXXX and balance is {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote certified letters to all three bureaus to remove all inacurrate data XX/XX/XXXX and todate nothing. 
I am escalating as i know it should not take over 30 days to get results or responses from bureaus. Can you help me please
Product: Credit reporting or other personal consumer reports

Account Information : The XXXX XXXX account in question has been inaccurately reported on my credit report by Experian. Despite my efforts to dispute the information and provide supporting documentation, it has not been updated or removed from my report. 

Previous Disputes : I have previously submitted disputes regarding this XXXX XXXX account to Experian. While they have acknowledged receiving my disputes, they have failed to take appropriate action to correct the inaccuracies. 

Communication with Experian : Despite my repeated attempts to communicate with Experian, including providing additional evidence to support my dispute, the inaccurate information remains on my credit report. 

Request for Resolution : I am requesting the immediate correction or removal of the inaccurate XXXX XXXX account from my credit report. This misinformation is negatively impacting my credit score and financial well-being. 

Enclosed with this letter are copies of previous dispute communications with Experian, as well as any supporting documentation related to the inaccurately reported XXXX XXXX account. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and request that you investigate this issue promptly. I also request that you notify me of any actions taken or additional information required to resolve this dispute. 

Thank you for your assistance in addressing this matter.
Product: Debt collection

This debt was paid a while back. At that time I was told that this would not reflect on my credit file. I applied for a home loan pre-qualification today and this came up on my credit report. I have been in the process of rebuilding my credit over that past 2 years. I take my  credit score a nd report very serious. I do not want this from preventing me from getting pre approved for a mortgage
Product: Mortgage

I missed payments for XXXX and XXXX ; which I paid, but the amounts owed {$8000.00}. 
I have not idea how I owe {$8000.00} due to default ; when my mortgage payments {$2300.00}. 
I paid the {$4600.00} to catch up payment, but still would like further info on how they figured I owe {$8000.00}.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some inquiries on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Product: Debt collection

I have a utilities bill debt that looks to have been purchased by a company called BULLCITYFINANCIAL. I disputed it via experian and I lost my dispute. 

Basically what happened is my apartment complex swapped from us paying the utilities directly to them paying utilities and us paying them. At the same few months this was happening, I had moved from XXXXXXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. I literally moved to the apartment next door. So for the months BULLCITY is trying to get me to pay for, I was no longer living in the apartment and was already paying my complex directly for those months. My apartment complex should have been covering my old apartment, they're trying to get me to pay for an apartment while I wasn't living in it and since I didn't live there I never received any mail communication, and hadn't thought of this at all when I moved again because I was up to date on all rent. The apartment XXXX who was employed at the time I was living in the complex has moved to another company as well so I can not contact the apartment complex as they've had full staffing turnover. 

I tried to explain this and provide email evidence in the past, but since I didn't expect this I wasn't exactly building a case for paying utiltiies for a place I wasn't living in. XXXX also is missing one of my addresses from the profile, and has an address from a place I've never lived and I'm working to get that information corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$2600.00}. In accordance with the Fair Credit Reporting act 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I recently received communication from you attempting to collect the above-listed alleged debt. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification, Validation and proof that this alleged Debt is mine and In addition I want proof of, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. 
Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Product: Checking or savings account

I am writing a to file a complaint against navy federal regarding multiple overdraft fees. I have incurred multiple overdraft fees. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with Navy Federal for similar practices, where transactions settled with sufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account and transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report XXXX XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late on XX/XX/XXXX to XX/XX/XXXX but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documentsChapter XXXX bankruptcy discharged Date Filed XX/XX/2012 XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX 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: Money transfer, virtual currency, or money service

After adding money to my Robin Hood account I was unable to send or receive crypto so I tried to withdraw it back to my card and robing hood locked my account with my money on it when trying to chat with support or get call back you never get response. It has been 2 days and it still says I am in the queue call backs should never take 2 -3 days or for a chat
Product: Money transfer, virtual currency, or money service

I initiated a sale of bitcoin via the Coinbase website where I hold an account. The sale was supposed to finalizeXX/XX/XXXX. However I never got my money. The amount was taken from my account. The Coinbase website lists this transaction as completed. 

I called Coinbase support XX/XX/XXXXto find out what happened. I was told a ticket had been created for my question and support would contact me further. They have not done so. 

I called Coinbase support XX/XX/XXXXand was told that " the system is down '' and no one, not even support staff, could see what happened. There is no date when the system will be restored. 

I've filed another complaint with Coinbase asking about my money. 

I still have money " held '' with Coinbase but it doesn't look like I will be able to get it back. 

From the Coinbase site ( about the transfer in question ) : Sold XXXX BTC for {$1500.00} USD. 
Payment will be sent to XXXX - Total Checking XXXX by Friday XX/XX/XXXX 

The sale was marked as completed :XX/XX/XXXX XXXX ( this is the reference number provided by Coinbase. ) As of XX/XX/XXXXI haven't received my money or heard back from the support staff. Please help!
Product: Credit card or prepaid card

On XX/XX/2021 I ordered two custom towels from the company XXXX XXXX. I never received the towels from XXXX XXXX after many attempts to resolve the issue directly with the merchant. After losing all hope after fighting with XXXX XXXX for over a month, I submitted a transaction dispute with Discover on XX/XX/2021. On XX/XX/2021 Discover updated the status of my dispute to " Initial review of Dispute is resolved in your favor '' and provided a credit to my account in the amount of the transaction, {$70.00}. 

The status of the dispute still remains the same, I still have not received the towels from the merchant - the tracking information from the merchant still says " Shipping Label Created, USPS Awaiting Item '' as it has since XX/XX/2021. 

I didn't receive a letter or email from Discover & the Dispute on the Discover website has not been updated with any additional information. However, my account now shows {$70.00} SALE CHARGEBACK REPOST - REPOST OF DISPUTED TRANSACTION. 

I called Discover twice in order to find out why I am being charged the {$70.00} again even though I have not received my order from the merchant & Discover has provided me with no information why this is being reposted to my account when the Dispute Status remains " Initial review of Dispute is resolved in your favor '' but both times I called I received an Agent in Utah who advised that Discover is going through system updates and they can not access my account to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card has not provided my signature. Signature is 100 % verifiable verification. Matching an address and email and phone number is not 100 % verifiable verification by law. I also had an attorney to find the licence of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. It could not be found by the attorney. I 'm asking for the licence of this company as stated under statue 225 ilcs 425/4 to do business in Illinois. Please provide both of these documents. It is against the law in Illinois to do business. Letters have been sent to the Illinois attorney General and Illinois business to confirm there licence in Illinois. Please forward info with that address and not to be confused with a holding or pass through entity.
Product: Payday loan, title loan, or personal loan

USA Web Cash submitted an unauthorized ACH for additionally fee from my account. The initial loan was {$1800.00} the final payoff was closer to {$3500.00}. Due to a prior request to move a payment, there were additional fee incurred on the account. 

I spoke with XXXX from USA Web Cash and advised that I was unemployed. I stated that I would contact USA Web Cash to schedule the final balance / payoff. XXXX submitted an unauthorized ACH to my account. Additionally, I was advised by XXXX that USA Web Cash agreement stated that they can arbitrarily deduct this amount from bank account without my permission. 

After filing a complaint with the Illinois Attorney General, I was contacted my XXXX ( USA Web Cash ). He offered to pay the fee back {$80.00} and/or to give me another " low interest loan '' to " help me out ''. Again he stated that USA Web Cash has the right to make an unauthorized ACH from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Transunion, XXXX and XXXX, has violated my consumer 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

I received my credit report from XXXX and disputed a collections account from Enhanced Recovery Co. on XX/XX/XXXX. The reason for dispute is that I have no knowledge of this account and I am not responsible for it. The debt on my report is identified as a collection for {$230.00} past due as of XX/XX/XXXX for " XXXX XXXX ''. I got the results of the dispute and it was deleted from my report. I then checked my XXXX report and disputed the same collection account on XX/XX/XXXX. The dispute results came back XX/XX/XXXX and XXXX said they investigated and did not change anything, and rejected the dispute saying the existing information was verified. This company has never contacted me before regarding this debt, EVER. After digging through my files I found a letter from a company called XXXX  XXXX XXXX XXXX from XX/XX/XXXX for {$230.00} that identifies an Account with XXXX but has a different account number. My report states that this account was opened in XXXX on the XXXX of this year. This is completely inaccurate and I don't know how to get it removed from XXXX. I do not see is on My XXXX and it was deleted from XXXX, but it popped up again showing as a new collection account from the XXXX.
Product: Credit card

The Apple Card reps through Goldman Sachs failed to let me know of a remaining balance on my accounts even after it having been present for months. Account had already been closed and full payment made in order to close account. Had to find out through my credit report that a late payment was present. I was unable to pay using the Apple Wallet app since the account was marked as closed. Had to call over the phone to proceed with making the payment, yet the damage to my credit report was already present.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update XXXX XXXX with Phone Number Dear FactorTrust 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 ) 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. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX made an error in reporting my payment status and is not willing to fix it. They are reporting me as paying late in XX/XX/2018 and I was never late in paying my account. It was an error on XXXX XXXX XXXX part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Investigation of Unauthorized Information Being Reported On Credit Profile To whom it may concern, I recently came across my credit report and saw there were errors on my report. I request the deletion of inaccurate information thats not verified thats on my credit report. Which is address XXXX XXXX XXXX, XXXX, NY XXXX & XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The only address that should be listed is XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX. Heres a photo ID of where I live for proof
Product: Student loan

Navient keeps telling me I have to pay on this loan. All my other student loans are deferred due to my income. I keep telling them I do not have the money to afford this. The only reason they will not defer is because my dad is a cosigner on the loan and he has good income. However, I do not and my dad is not helping pay this. I do not know what to do at this time. Your company calls my phone everyday every hour I have missed calls from them just on today. You all have taken money out of my bank account that I never approved of. Yes you put it back after I called and complained but at this time I am really fed up with   XXXX   XXXX   aka navient. I can not afford to pay on this loan and I do not see why you can not defer it with my other loans. Please advise.
Product: Debt collection

XXXX sold my fathers debt to a collection agency under my name and SSN. The account was originally mine but I removed myself from the account in XXXX of XXXX, two years prior to the debt that was sold. My father assumed control over the account in XXXX of XXXX. In XXXX of XXXX XXXX sold my fathers debt to AmSher Collection agency under my information. I discovered this XX/XX/XXXX through XXXX XXXX as I received zero communication from XXXX or AmSher in regards to this matter. Only person who received information in regards to the debt was my father as it was his account not mine. XX/XX/XXXX I contacted XXXX to resolve the matter and was informed I would receive a call from the verification team by end of day. They never called. On XX/XX/XXXX I also called AmSher Collection who repeatedly refused to send me a verification letter. They claimed they sent both email and letter via mail back in XXXX of XXXX. The email and address on file was my fathers not mine. When I pointed out that the debt owed and information they have on file is my fathers not mine they told me the only way to resolve the matter is for me to pay the debt. They refused to transfer ownership over to my dad who was also part of the call and confirmed the debt was his not mine. When I pointed out that they are required to send verification letter upon request and failed to notify me but only notified my father they transferred me to a supervisor who told me to fill out a form online requesting the verification letter. They also informed me that I needed to speak to XXXX in regards to the debt being my fathers not mine. On XX/XX/XXXX I spoke with two XXXX representatives who both refused to send me documentation that showed I removed myself from the account so that I may dispute the debt. I was told by XXXX that even thought I removed myself from the account in XXXX I am still financially responsible for any bills that occurred after under my fathers ownership of the account.
Product: Debt collection

on XX/XX/XXXX i replied to their email asking " This is not mine. Please remove me from any communications henceforth. If there is any debt, it must be mailed to the person. '' Than again on XXXX i received the same notification from them which i replied " This is not mine. Please do not email me again about this. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Regional ( Truist ) credit I scheduled a payment and asked for them to cancel the payment that I have scheduled and they XXXX XXXX Id XXXX my ext.. the manager refused. refuse to give her ID Reference # XXXX they used a bullying tactic when I asked them to can my payment even after I told them the money wouldnt be in the account. Date of call XX/XX/year> at XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I completed an online form to transfer {$10000.00} to pay a creditor on XX/XX/2022. The balance needed to be paid by XX/XX/XXXX to avoid interest charges. PFCU offered me a 12 month interest free balance transfer. On or about XX/XX/XXXX, I realized that the transfer would not be completed by the first of XXXX so I used other money 's to pay the balance. During the balance transfer process, they asked for the name of the vendor and stated that if the vendor was not listed, I would be able to put them in later in the process. My vendor, XXXX, was not listed. The closest to them alphabetically was a company called XXXX XXXX. I clicked on them thinking that I could correct it later. I was never given an opportunity to change it. I also included my XXXX routing number and account number. They never received any money. When I canceled the transaction on the XXXX, PFCU told me that the check had been sent to XXXX XXXX. I was surprised because I put the account number and routing number on the transfer. There was a transaction ID so I assumed it was just a matter of reversing the transaction or canceling the check. That was three months ago. I've been carrying a XXXX balance that I never received AND they've been reporting me to the credit bureaus for non payment. This was supposed to be an interest free transfer. I've lost about XXXX points on my credit report and I don't think I should be paying for moneys that I never received. PFCU keeps telling me that it takes time to retrieve the money. As far as I'm concerned, it's an issue between PenFed and XXXX XXXX. I should not be carrying a balance or expected to pay back money I never received. Not to mention, taking a credit hit because they can't find where THEY sent money. Please advise!