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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$54000.00} XXXX XXXXXXXX Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDNELNET XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NV XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX, XXXX, NV, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX Via XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX Via XXXX, XXXX XXXX, CA, XXXX
Product: Checking or savings account

I had a current bank account. It got hacked and charges were made. I disputed the charges but current disputed them under wrong type and said it was item not received when it was fraudulent. I submitted my police report to them and they still ain't refunded it. They closed my account out claiming I was committing fraud all because they let my account get hacked and {$700.00} stolen from me via fraudulent charges.
Product: Debt collection

A medical collection dated XX/XX/2020 from Radius Global showed up on my XX/XX/XXXX credit report. I had no prior knowledge of the collection. 

I did not conduct any form of business with the original creditor on XX/XX/2020 and do not understand why there is a debt. And, if I did have business with the original creditor on XX/XX/XXXX, there should not be a medical collection so soon after the visit. 

I neither received any written notice of the collection account, nor telephone call with attempts to collect the debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my Coinbase account was hacked and the scammer wire transferred {$23000.00} from my XXXX XXXX account into coinbase. I called coinbase and they locked down my account immediately. I also contacted XXXX XXXX to notify them of the scammer. On XX/XX/XXXX, the scammer attempted to wire transfer another {$23000.00} to Coinbase from my XXXX XXXX account. XXXX XXXX was able to retrieve that wire transfer before it reached Coinbase. Coinbase made {$2000.00} of the wire transfer immediately available and the scammer did transfer that money out via Bitcoin. 

As of XX/XX/XXXX, I haven't been able to access the {$23000.00} from my Coinbase account and Coinbase is saying I owe them money because the 2nd wire transfer was never completed because XXXX XXXX put a stop to that transfer. 

I was told by the first agent at Coinbase I spoke to on XX/XX/XXXX that my account would be frozen but my funds would be available in a few days. Ive placed multiple phone calls and emails to Coinbase since I was scammed and havent been successful in getting my funds released because there hasnt been a thorough investigation by the specialists and they are claiming it is me who owes Coinbase money. No one is taking the time to see this is not the case. Its been a nightmare with Coinbase 's customer service to try to get my case resolved and to get my money back. I feel like I am being scammed a second time and Coinbase is holding my money hostage unjustifiably. I am including documentation from my bank to show the two transactions that were made on XX/XX/XXXX and then the reversal of the second amount of {$23000.00} back into my XXXX XXXX account. I have also filed a police report with the city of XXXX Colorado. 

I also intend to file a complaint with the New York XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I had a hard inquiry enter onto my credit report. I noticed it was through a bank, I havent applied for anything to obtain this inquiry, so I contacted the company from the phone number provided in the inquiry, they were unable to find any account for my social, however found plenty with my name. Was wanting to file a complaint to have this remove from my account.
Product: Prepaid card

In XXXX I received a letter stating that a dispute was filed on my behalf and that I would be receiving XXXX. XXXX then when I called to check the status of funds they told me i was not able to get verified over the phone. So I called everyday up until XX/XX/ I called and finally got threw to the right person and they were able to verify me by asking me multiple questions and they said they would expire the check so I would receive it in 10 days I call back today and now they are saying they can't verify me again and will not speak to me .I have been trying to get my money for months now. They have sent me payments in early XXXX and there's was no issue then. I was sent a compensation check for financial harm and there was not an issue then either that was in XXXX. Now there is another issue. I can't take much more of this I am losing my home because of this. My kids didn't have a XXXX because they do not document or communicate correctly
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried disputing these medical charges through XXXX. Im a XXXX veteran  and all the medical charges were before i got my XXXX rating and the medical charges are all XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> several of my positive primary accounts were removed from my credit report without explanation or without being disputed by me. Then on the same day, the accounts were added back to my report as new accounts which drop my credit score XXXX point points on TransUnion, XXXX points on Equifax.
Product: Credit reporting or other personal consumer reports

researched on how to remove the fraudulent inquiry in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiry listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed from my credit report.
Product: Credit reporting or other personal consumer reports

Greetings, I am writing to you for the reason that I need this information removed from my credit. I can't stand this anymore because it is affecting me a lot and is not allowing me to have economic growth in my personal life. 

Account Name : XXXX Account XXXX Balance {$0.00} Account Name : XXXX XXXX XXXX Account XXXX Balance {$880.00} Account Name : XXXX Account XXXX Balance {$1600.00} Account Name : XXXX Account XXXX Balance {$1600.00} Account Name : XXXX XXXX  Account XXXX Balance {$1800.00} Account Name : XXXX XXXX Account XXXX Balance {$1800.00} INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Citimortgage was sued successfully by the National Mortgage Settlement and by a class action lawsuit for force placed insurance vs the State of New York. I was fighting my foreclosure case from XX/XX/XXXX to XX/XX/XXXX. During this period, no funds were awarded to my loan and before an auction date was set, they sold my debt to XXXX XXXX XXXX. I firmly believe, in my own opinion, this was an attempt to ignore legal responsibility and make said settlements " disappear ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is inaccurate from credit bureau. Report is stating closed from XXXX and XXXX but Equifax is stating open. 
Invalid open dates from all three credit bureaus.Showing a passed due amount when account is reporting as closed. 

Past due stating XXXX Open date XXXX XXXX XXXX XXXX Equifax XXXX
Product: Mortgage

I have my mortgage loan account with Dovenmuehle Mortgage Inc and I have been promptly paying all my installments in time, thru autopay. My home hazard insurance policy was expiring on XXXX XX/XX/XXXX. I intimated to Mortgage company about my intention to change the insurance provider on XXXX XX/XX/XXXX and they acknowledged receipt of the same. I chose my new home insurance provider XXXX and advised mortgage company to make payment $ XXXX/- to them on XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX. I had followed up with them on XXXX XXXX, XXXX XXXX and on XXXX XX/XX/XXXX for payment. Instead, they chose to pay hazard insurance premium of $ XXXX/- arbitrarily on their own to XXXX XXXX XXXX XXXX who insures properties only in NJ and PA states , where as my property is in TX state . When I lodged complaint with Dovenmuehle Mortgage, they are evasive, unreasonable and non-cooperative. When I insisted, they made another payment to XXXX. When I asked for refund of $ XXXX/- to my escrow account, they asked me to contact XXXX, where as XXXX  was not chosen by me and I really didn't know who XXXX  is. Upon my contact, XXXX team was also confused and advised me that they have not received any check/ payment from Dovenmuehle mortgage company regarding insuring my home property based in XXXX Texas . Further they advised me that they cover only NJ and PA properties and not TX properties. When I pointed all these errors to Dovenmuehle Mortgage Insurance team, they started harassing me that my home is under insured, whereas it is not. Mortgage outstanding is $ XXXX, while home is insured for $ XXXX.
Product: Payday loan, title loan, or personal loan

XXXX  out of Florida a loan company had someone mobile deposits checks into my bank account XXXX check on XX/XX/XXXX and XXXX checks on XX/XX/XXXX then i sent back {$920.00} on the XXXX and {$1800.00} on XX/XX/XXXX back to XXXX people using XXXX. then on Wednesday XX/XX/XXXX the bank sent the mobile deposits back to whoever sent them then overdrafted my account {$2700.00}.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to Equifax via tracking # XXXX on XX/XX/. The letter was signed for on XX/XX/2024. I have attached the letter and copies of the portions of the credit report to show the accounts which were affected by the criminal actions of identity theft. I have also attached the identify theft report. This was included with the original letter, along with a copy of my drivers license and an up to date utility bill with my name and address which matched my drivers license on it. I had also sent a copy of the FCRA 605B just in case they were not aware of it. Everything was sent according to federal law. I did not receive any notification back until today XX/XX/. The letter states that they are not going to block the information on my credit report and have forwarded the information on my behalf which I have already done. They go on to state that for them to block the information under section 605B I need to provide proof of my identity, the specific information that is the result of identity theft and a copy of your submitted theft report with the federal trade commission. This has all been submitted and is all attached. I believe this is an intentional action by Equifax. I am a victim and this is causing me tremendous harm while I am trying to pick up the pieces of my life and get it back together.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 to 13 of the attached credit report. This account reports a {$XXXX} balance and {XXXX} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit card

Capital One does not share interest of the protection of their customers. I have been fighting an unwarranted charge from XXXX XXXX XXXX. They have attempted and succeeded to charge {$250.00} several times. The {$250.00} was never supposed to be charged. On or around XX/XX/XXXX, I logged onto the Capital One app to close my card out and ask for a new one to be issued. I waited nearly two weeks just to be told they never received that request. In the early morning hours of XX/XX/XXXX, I received an email about a red flag of a charge trying to go through on my account from XXXX of the amount of {$250.00}. It was denied on my end. I called them a few hours later and the rep told me no worries and they had decline that transaction and issued me a new card. They claimed my other request two weeks prior was not received. A few days later they send me a statement showing this charge!!! The one that I declined and they promised to have declined. Capital One lied to me and offered me no protection in this manner. I have yet to receive my new card.
Product: Credit card or prepaid card

I have a credit card with Synchrony bank which I am using to pay for my furnace/ac installation. Payments are due the XXXX of each month. My first payment was due XX/XX/XXXX2021. 

This is my payment history : XX/XX/XXXX {$560.00} ; XX/XX/XXXX {$670.00} ; XX/XX/XXXX {$670.00} ; XX/XX/XXXX {$650.00}. Note : all of these payments are significantly higher than the amounts due. However, when I paid the XX/XX/XXXX payment I received a notice that my XXXX payment was " late ''. It clearly wasn't, as I'd made 4 payments in 3 months. When I contacted Synchrony, I was told I was charged a {$28.00} late fee because I had paid the bill EARLY and they had applied the XX/XX/XXXX payment to the " wrong month ''. Nothing in my consumer agreement penalizes me for paying my bill early. I was told that the fee would be " waived '' ( suggesting they were doing me a favor ) and that I only could get 1 " waiver '' every 12 months. I also was told that if I paid the bill early again I'd be billed a late fee again. This is fraud, plain and simple. XXXX should not be allowed to get away with this. If they're doing it to me they're doing it to everyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Transunion since 3 accounts were reported wrong balance - 3 2 of them were paid in full. I submitted a dispute got the dispute results and they corrected only 1 account. When called and complimented they asked to open another dispute moving the deadline for them to correct the inaccurate information to 60 days. 
Here is the TransUnion file # FILE IDENTIFICATION NUMBER available. Your unique FILE IDENTIFICATION NUMBER is XXXX and is also located at the top of this page. 

The two accounts were paid in full and closed are TransUnion did not update - the other two bureaus have report the correct info for the same accounts Their dispute process does not respect regulation to fix incorrect ingo in 30 days - Phone and online service are not consumer friendly- To correct the information they are taking more than 30 days and they asking the customer to submit a new dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. Staes 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 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 XXXXXX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/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 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 Show less
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, applied for a personal line of credit and received {$25000.00} loan option continent upon review of paystubs, credit check, tax returns, and tax transcript. All requested items were submitted by XX/XX/XXXX. On XX/XX/2022 received request to authorize company to obtain tax transcripts and was told approval from this point could take up to 30 days. Call two times on XX/XX/XXXX and XXXX to inquire and was told both times still waiting on tax transcripts. To date, I have not received a decision regarding application.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) XXXX XXXX XXXX " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 8. ) XXXX XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via XXXX XXXX " Requested '' XX/XX/XXXX 10. ) XXXX " XXXX '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 13. ) XXXX XXXX XXXX " Requested '' XX/XX/XXXX 14. ) XXXX XXXX " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX 16. ) XXXX   XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.
Product: Debt collection

I was contacted by this company named Allegiant Capital Recovery Services, LLC on XX/XX/2020. They left a voicemail and I called the number back to find out who they were. I found out who they were and was speaking to an Employee by the name of Faith. Faith told me what the debt was about and I said I never received any communication from the credit card company or the Allegiant. I asked Faith on the phone to please send me proof of the debt via United States Post Office mail. She said they do not use the post office in the state of NY because of covid. She said the XXXX doesn't operate in New York. I did laugh at her and tried to ask several more times for her to send one to me by mail and she kept stating that's not how this works. I asked to speak with someone else and kept getting the same answer ( that's not how this works ). I also asked her to correct my mailing address because the one she read to me is incorrect ; its missing my lot # XXXX. The lot number is missing on the letter she sent me via email as well. I have not received anything via mail from either the credit card company or this shady Allegiant Capital Recovery Services, llc.. I said to her several times I would pay the debt if it can be validated by a simple letter, and that I wanted to speak with someone else also. She kept insisting I speak with her only and the debt was true and correct. 

I hope someone can help me with this issue. If you need more info please feel free to give me a call/text or email anytime.