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

Upon reviewing my credit reports, I've discovered an anomaly regarding a late payment recorded on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the months of XX/XX/year> and XX/XX/year>. It's important to note that I have consistently maintained timely payments on this account. Attached are screenshots illustrating the discrepancy. 

I kindly request a thorough investigation to provide evidence substantiating the alleged late payment. In the absence of such evidence, I urge that the late payment status be promptly rectified to reflect " paid as agreed on time. '' It's imperative to acknowledge that I have never missed a payment deadline. 

Your prompt attention to this matter is greatly appreciated. 

Thank you, XXXX XXXX
Product: Debt collection

Resurgent capital collecting for XXXX XXXX  XXXX XXXX requested validation of debt and they sent me just a statement. I request validation that i signed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted dispute regarding the claim of collections to the creditors. I provided proof of payment and a moving damages report to IQ DATA INTERNATIONAL back in XXXX of 2022 or XXXX of 2022. They never told me my dispute resolution. The investigation took well over 30 days. The
Product: Mortgage

I have a mortgage with Wells Fargo. My account is current and I have never been late or missed a payment. I have an ongoing insurance claim regarding water damage in my house that occurred on XX/XX/XXXX. To date I have received {$110000.00} from my homeowners insurance to make the necessary repairs. Understandably Wells Fargo is a co-payee on each of the checks from my insurance company and they have a vested interest in securing the value of their collateral. I also have vested interest in securing the value of my home of 10 years. It would seem that our interests are aligned, however Wells Fargo has and continues to make it nearly impossible to complete the repairs to my home. 

Of the {$110000.00} I have received from my insurance company, Wells Fargo currently still holds {$62000.00} and refuses to release the funds so I can complete my repairs. 

Their explanation for not releasing my insurance funds is that they need to ensure the repairs are being completed and will release a percentage of the funds to correlate with the percentage of the repairs that are completed. There was an inspection of my house on XX/XX/XXXX. The inspector reported to me that everything was progressing as it should and they were confident the collateral was being preserved as it should. Wells Fargo interpreted that report to mean we were 25 % complete. 

Work has continued steadily and everything is on pace to be completed by the end of XXXX. However now, despite constant communication with Wells Fargo, and my compliance with their every request for documentation and proof, they refuse to conduct another inspection to determine the progress of the repairs. After repeated calls and requests for an inspection, Wells Fargo finally scheduled one on XX/XX/XXXX, and then cancelled that inspection without explanation on XX/XX/XXXX. I then rescheduled another inspection on XX/XX/XXXX that was canceled on XXXX/XXXX/XXXX again without explanation. 

All this frustration and inaction on Wells Fargo has now led to a point where I have no options left to proceed. To date, I have spent a total of {$88000.00} on the repairs to my home, which includes the {$51000.00} released by Wells Fargo. No I have just received notification that the cabinet order I placed in XXXX has arrived. They were custom built offsite to be assembled in my house. To take possession of the cabinets I have to pay the balance due which is {$36000.00}. This is an amount that was fully covered by my insurance proceeds and which is currently held by Wells Fargo. Until I have the funds from Wells Fargo, I can not complete my kitchen, and apparently until my kitchen is complete Wells Fargo will not release my funds. 

I am just trying to get my house back to where it was before the water leak happened. Despite Wells Fargo 's stated intention of working to preserve the value of their collateral, they are now at the verge of destroying that collateral and the value of my house, and they are doing so while in possession of {$62000.00} of funds that are rightly mine to make the needed repairs on my house.
Product: Credit card or prepaid card

My complaint is against  USAA Federal Savings  Bank as it specifically relates to my  XXXX   XXXX   XXXX   XXXX   XXXX  Credit Card. This complaint is regarding an extreme reduction in my line of credit that increase my debt-to-credit ratio to over   XXXX   XXXX   after I had  immediately reduced my debt-to-credit ratio by making 4 payments.      On  XXXX   XXXX ,   XXXX   my  XXXX   XXXX   XXXX   XXXX   XXXX  Credit Card reflected a Credit Limit amount of {$13000.00} and a balance owed of {$11000.00}. Over the span of  XXXX  days I made the listed payments totaling {$10000.00} -  XXXX  {$570.00} ; {$4800.00} ; {$5000.00} on  XXXX   XXXX ,   XXXX   and {$120.00} on  XXXX   XXXX    XXXX   ). Bringing the balance down to {$1300.00} and improving my debt-to-credit ratio to   XXXX   XXXX   of my credit limit. Note : ( I have over   XXXX   XXXX   history with  XXXX  and none of my accounts have been late or have had a negative review and this is reflected in my credit report from Transunion, Experian, and Equifax  XXXX .   Per my conversation with a USAA Bank representative on  XXXX   XXXX ,   XXXX  , I was told that on  XXXX   XXXX ,   XXXX   they reduced my line of credit to {$2500.00} and that they sent me a letter letting me know about this and this was due to some adverse information on my credit report. The request for reconsideration of their action and that the decision be reversed was declined. I informed USAA Bank that this action did not reward good behavior, that it in fact punished me because my debt-to-credit ratio increased to slightly over   XXXX   XXXX   and that this was just after I had made them a payment of {$10000.00}. I pulled my Annual  Free  Credit Report on  XXXX / XXXX /  XXXX   and after carefully reviewing my report I do not see anything on my credit that is negative to warrant such an impetuous action on their part. I questioned if this financial institution has a genuine and sincere interest in supporting the family members of a military veterans. I have faith in USAA Bank and I hope this is just a misunderstanding.     I am also reaching out to CFPB for support on this matter. I would like my {$13000.00} line of credit restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX  cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX & XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Product: Credit reporting or other personal consumer reports

non-compliant / incorrect reporting. 15 US CODE 1681n - Civil Liability for willful noncompliance.
Product: Money transfer, virtual currency, or money service

My issue is with Coinbase.com and Bitcoin that I purchased through them. 

-- -On XX/XX/XXXX I purchased {$150.00} ( appx. 70 % of an entire Bitcoin ) worth of Bitcoin, {$150.00} after the Coinbase fee. On XX/XX/XXXX at XXXX XXXX  this transaction was completed. 

-- -On XX/XX/XXXX I purchased {$40.00} worth of Bitcoin XXXX {$39.00} after the Coinbase fee. On XX/XX/XXXX at XXXX XXXX this transaction was completed. 

-- -On XX/XX/XXXX I purchased {$10.00} worth of Bitcoin , {$9.00} after the Coinbase fee.

And now I went to check when this transaction was completed and the Coinbase website keeps telling me there is an error and I can't get in it. If memory serves me correct I had two more purchases of Bitcoin in 2017, both for small amounts. I believe only {$5.00} or {$10.00}. 


As of todayXXXX, the Coinbase website says my portfolio is worth only {$130.00}. After talking to some friends who are Bitcoin savvy they say my account should be worth around {$30000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing that my CC is closed. My credit card isnt closed and is open and active. This is impacting my available balance and has caused my credit to drop. I called the bank and they said my account is open, active and not closed so the report is wrong and my overall balance decreased by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

around the month of XXXX Equifax placed a freeze on my account. when a company by the name of XXXX XXXX ran my credit on XX/XX/XXXX, they charged me a XXXX deposit because of the freeze.
Product: Debt collection

on XX/XX/year> I sent the company a debt validation letter, requesting more information about the debt including a wet ink signature.
Product: Credit reporting or other personal consumer reports

After carefully accessing my credit report I noticed credit Inquiries I have never authorized. 

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

I recently obtained my credit report XX/XX/year>, and realized that my ID was stolen due to charges that I did not make. I saw an address that I have nerve lived nor been in that state. ( XXXX XXXX XXXX XXXX NJ XXXX ). Also a date of birth is not mine. 
Accounts like XXXX, Chase Accounts, Etc. I would like to have my credit report information blocked due to fraudulent activity. They have resulted in negative reports. I do not recognize these accounts & charges and they have not been made by me. I have attached a copy of the affidavit that I filed with the FTC.
Product: Credit reporting or other personal consumer reports

I have tried on several occasions to remove wrong personal information from all XXXX of the bureaus and nothing has changed. Under FCRA section 15 US Code 1679c, I have a right to dispute any incorrect personal information directly to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just do everything on my credit report big except it was my student loans my student loans no no erase every last one of my student loans due to my XXXX and Equifax XXXX XXXX and XXXX  us laugh did not report my right score all my credit report after youre still loans was erase
Product: Student loan

I am a student loan borrower who is serviced through MOHELA. I have been on the SAVE plan since it's introduction. I am currently in the SAVE forbearance due to litigation with the SAVE program. I have made no changes to my status, only filed my income recertification in XXXX of XXXX, while still applying to the SAVE program that I had already been on. I got word on XX/XX/XXXX that my autopay was set to resume on XX/XX/XXXX ( less than 30 day notice ). I got no notification of why this was happening, or if I was actually brought out of forbearance. According to everything online, SAVE litigation is ongoing and I have XXXX obligation to restart payments if I don't want to/did not request to change plans. I am working toward PSLF and going into repayment will not count towards my PSLF forgiveness, and as such, I do NOT want to be brought back into repayment. I did not ask for this, I did not file a new application for a new IDR plan. I have no idea why this is happening. I am writing this after having been on hold with MOHELA for almost 9 hours for the second day in a row with no resolution. The one time I got ahold of a representative, I was only told that it does apear that I am going back into repayment, but no one can tell me why or prevent it until I talk to an " advanced representative '' who I can not get ahold of. I removed my bank account from my MOHELA account and will dispute any charges.
Product: Mortgage

I paid off my home equity loan with Green Tree in XXXX of 2013 based on the payoff amount indicated at the time. Ditech sent me a bill yesterday for {$2.00}. When I checked my credit report, it appeared that the charge was made up recently as I was never sent a bill before now. Their rep said that the charge was for interest even though I paid the loan back in full. Now my credit is going to be negatively affected over a charge they ca n't even justify. XXXX, their rep, claimed I was charged because I did n't close the account. I have always paid my bills on time and am devastated that they would harm my credit without even contacting me first.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX US DEPT OF EDUCATION states I owe XXXX, XXXX. Thus amount is what I owe for attending UNIVERSITY OF XXXX start year XX/XX/XXXX. 

Please know that I XXXX XXXX was in the XXXX grade attending XXXX XXXX at XXXX XXXX XXXX XXXX Located in XXXX NC XXXX they contact info is ( XXXX ) XXXX. I have been trying to speak with this company numerous of times. They can not provide documentation to identify me. Section 611 ( c ) 15 U.S. Code 1681i University of XXXX XXXX : Deceptive Advertising for Graduate Employment. In late XXXX, the University of XXXX was hit with a record-breaking {$190.00} XXXX lawsuit settlement by the U.S. Federal Trade Commission XXXX This is public records. I never attended that school. I was in the tenth grade at XXXX XXXX XXXX XXXX XXXX That year I was suppose to be going to this university. I never lived at the resident that was associated with the school documentation. I have been calling the school trying to get all documentation. They stated I couldn't due to the fact I couldn't pass the test questions. I am asking for a removal off my credit. Due to the inaccurate information that was used with this school.
Product: Credit reporting or other personal consumer reports

These accounts CONTAIN FRAUDULENT, identity Theft related CHARGES. That I repeat, were already also completely DISMISSED in Massachusetts Courts in early XXXX ( see MA Court dismissal docs in this package ). 
Furthermore, the consumer protection law/s require that ALL THESE FRAUDULENT CHARGES ( AND INTEREST! ) BE OVERTURNED AND REMOVED from ANY and ALL consumer credit bureau reporting attached to my name. These fraudulent debt totals that XXXX XXXX XXXX have been reporting and continuing to ruin my credit with, ( now XXXX MONTHS AFTER ALL CASES DISMISSED (?? ) ) ... ARE REQUIRED TO BE OVERTURNED BY LAW, as they ARE NOT MINE! Please comply with the law or you will leave me no other choice than report these to ALL banking authorities AND if necessary, to file a lawsuit against XXXX XXXX and will seek damages for not only these violations, but also ALL other MANY violations of consumer protection laws. Please see files and evidence attached. Thank you.
Product: Credit card

I contacted Synchrony regarding a charge off from Amazon in an attempt to settle the account. 

After speaking to a representative, I was told a 1099-C had been issued and the debt had been forgiven, so no payments could be made on the account. Synchrony continued to report the balance as {$1000.00} owed even with a 1099-C issued and telling me that I was not allowed to make payments on the account. 

How is it possible a balance is owed yet Im not allowed to make payments on it because the balance has been forgiven? I have disputed through the CRAs and Synchrony continues to report the balance as {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax in regards to the XXXX XXXX account asking for them to validate the correct information in which they have failed to do so numerous of times. They are reporting numerous of late payments on my account in which is incorrect
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent presence of fraudulent items on my credit report. Despite numerous attempts to rectify the situation, I have encountered significant challenges in removing these inaccuracies, which are adversely impacting my creditworthiness and causing undue stress. I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to rectify the ongoing issue of fraudulent items on my credit report.. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate Customer Service and unfair practices which violate the consumer, financial protection act ( CFPA ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund, transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

The original creditor close the account/charge to account off. The account was close back in XX/XX/19 XXXX. I wanted to know how Midland credit management was able to acquire my account since it was closed. I know this that if an account goes into default, the original creditor has to right to write that particular loan off in full as a credit loss on their taxes. I wanted to know is the original creditor forfeiture their right to write this loan off on their taxes. I feel that this is wrong, Midland credit management has no skin in the game but seems to me is looking for a way to receive free money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, CONNS, is 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are mailable addresses that are not accurate on my credit report that I did not give anyone the consent to add information on. 

The address that should be on file is the one that i publicly live at, which is public information so where are you getting your information from? Why is it incorrect on my credit report? 

This is identity theft because not only is this stuff incorrect but you didnt get my consent to put this on my credit report or reach out to see if it was correct that would have been the honarable thing to do.