23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Quality Asset Recovery unlawfully reported a medical debt to credit bureau as an individual that was already in the process of being addressed by workers compensation company XXXX XXXX XXXX. ( claim number is available upon request ). 
on XX/XX/2020 I received a Quality statement of amount due {$150.00}. 
I immediately informed Quality Asset with XXXX XXXX XXXX claim number with all the information required. I requested to correct the issue to send the statement to the XXXX XXXX XXXX. Also, I requested to remove the medical debt report from my credit report. However, it was never removed and the issue was never corrected. Again, I checked my credit report and I found that Quality Asset recovery updated the report with the same wrong information without removing it. I called on the date XX/XX/2020 XX/XX/2020 XX/XX/2020 and many more dates. requested to remove the false report, I have been threatened that the false information will not be removed from my credit report and it will remain in my account with the same information as an individual responsible for the statement for 7 years even if it's been paid from the workers compensation company.
Product: Mortgage

Bayview had foreclosed on my home with forged and altered document and now have my house waiting to put up for sale, for the judge granted a final judgment on the plaintiff behalf, but refuses evidentiary hearing on how the plaintiff come about the assignment mortgage, back dating of false document, note without alonge, not chain of title.Debt Validation Letter, no response, and XXXX no response, enclosed with documents to support my claim. 
And XXXX XXXX XXXX who is authorized to give me a grant XXXX but instead a loan which they are not authorized but they did it anyway. 
So, my purpose is to let the CFPB know that I wants to have an Administrative Proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was approved by XXXX XXXX  for a credit card with a credit limit of XXXX dollars.On XXXX XXXX, the Coronavirus pandemic hits Michigan where I live.On XXXX XXXX XXXX closed my account first and sent me a letter citing " Inactivity '' .When I received the letter from XXXX, I called them immediately.When I called XXXX   customer service to reconsider, They stated to me that the account was closed due to inactivity and I can reapply for a new account but can not reopen the closed account..After my conversation with XXXX card, I immediately filed a complaint with CFPB-XXXX citing closing my account due to Coronavirus Pandemic.I have read many articles and news reports stating '' Millions of credit card users are seeing their credit cards closed or limits lowered during pandemic '' .I did have a XXXX dollar credit limit and paid my monthly payments on time.I had great credit with XXXX.On XX/XX/XXXX, I paid my account off in the amount of XXXX.On XX/XX/XXXX, I made another interest charge payment in the amount of XXXX paying the account off with no balance.XXXX was the last activity i had on this XXXX card account until XXXX XXXX closed account.XXXX  responded to the CFPB complaint, XXXX  stated in their response that they made there decision based on what was in my XXXX report.After reading there response and the letter i received from XXXX, XXXX is clearly lying why the closed my account.They closed my account because of the Coronavirus Pandemic and the current financial hardships people are having.I have been working this whole time because my job is currently deemed essential.I have looked up laws under the Credit Card Act of XXXX, Equal Credit Opportunity act, FCRA, Etc and there is no law for closing accounts.In the XXXX Credit Card Agreement, it does state that they can close anyones account at anytime for any reason.There is no XXXX Credit card agreement that states anything on a Pandemic or Financial crisis due to a Pandemic.Because they have closed my account, my FICO score has decreased and caused stress.I have been trying for years to have a good credit and score and closing my account due to current pandemic doesnt help me one bit.Therefore, XXXX  lied and closed my account/card because of the pandemic and financial crisis and used Inactivity as a excuse to close my account.Therefore, XXXX cards CFPB response and letter dont add up.Therefore, My FICO score has dropped causing stress and lower credit scores that will affect my credit worthiness.
Product: Debt collection

This account with XXXX began in 2019 and was taken care of in 2019 after my complaint to the Florida Attorney Generals Office ( Attached ) Now, Credence Management has entered a derogatory remark on my credit files in the amount of XXXX XXXX ( {$300.00} ) plus dollars. I have not received any correspondence from XXXX or Credence since 2019 and I have only moved once, and in the same city. I had and still have a forwarding address on file with our post office. There is no excuse, had this been a valid debt that Credence couldnt of contacted me. I noticed their entry on my reports and contacted them. 

My first contact with Credence was via email on XX/XX/XXXX to which they responded they were in receipt of my correspondence ; and, had advised XXXX. My second correspondence with Credence was on XX/XX/XXXX, to which they responded on XX/XX/XXXX, that they had received my email. Today is XX/XX/XXXX, one month later from my SECOND correspondence to Credence ; and, I have received absolutely NO additional correspondence from XXXX or Credence via US Mail or Email. 

I am requesting that this derogatory remark be removed from each of my credit reports immediately.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Transunion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  Account Number : XXXX Date of Late Payment : XX/XX/year> On date XX/XX/year>, I submitted a dispute to Transunion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I never was late in my payments. For instance, I may have made my payment on time or there may have been a clerical error. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Transunion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account open at XXXX XXXX in XXXX, SC showing up on my credit report for around {$3500.00} that I did not open. After speaking with several people at XXXX corporate office, they have denied responsibility, saying that it was reported correctly on their end. The account belongs to a woman with the same name and similar social security number to my own. This woman is from the same town as me, with a similar birthday, name and ssn, so this has been a recurring problem for us for most of our adult lives. We should be closing on our home in 7 days, however this and other debts that have been incorrectly reported is causing a delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX CRED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX reported fraudulent personal debt amounts to all XXXX credit bureaus. 

On XX/XX/XXXX XXXX reported my personal debt amount as {$24000.00}. As of XX/XX/XXXX my student loan amount was actually {$17000.00}. Moreover, as of XX/XX/XXXX my student loan amount is actually {$10000.00}. 

This is a violation of 34 CFR 685.102, 34 CFR 685.200, 34 CFR 685.220, 34 CFR 30.1-30.70, 34 CFR 685.206, 34 CFR 685.222, 34 CFR 668.171- 668.176, 34 CFR 685.204, 34 CFR 685.208, FDCPA 1692-1692p, FDCPA 801 819, and 15 USC 1601. 

XXXX is legally obligated to report updates, adjustments, and payments to debt amounts on the first of each month. 

This is also a violation of CA civil code statutes AB 376, AB 1864, SB 908, 1788.101 ( a ), 1788.101 ( b ) ( 1 ) - ( 6 ), 1788.101 ( b ) ( 7 ) - ( 10 ), 1788.102, 1788.102 ( b ), 1788.102 ( c ) - ( d ), 1788.102 ( e ), 1788.102 ( f ), 1788.102 ( g ), 1788.102 ( h ), 1788.102 ( i ) and ( k ), 1788.102 ( j ), 1788.102 ( l ), 1788.102 ( m ), 1788.102 ( n ), 1788.102 ( o ) - ( r ), 1788.102 ( s ), and 1788.102 ( t ).

Moreover, while attempting to correct this fraudulent information with XXXX, their representative ( Employee ID XXXX XXXX ) verbally stated they could not assist with this process. The representative stated that an external department would have to address the matter. Allegedly, an expedited email ( XXXX XXXX  ) was issued. This is the same lie that was verbally stated to my person in XX/XX/XXXX. 

Furthermore, this is not a duplicate reporting of fraud. This is an additional unique instance of fraud conducted by XXXX. This company continues to engage in fraud as an attempt to act as a subsidy for the U.S. Treasury department. 
Finally, I was informed that XXXX is unable to provide an accommodation in compliance with the XXXX ( XXXX ). I was informed that XXXX is unable to provide physical copies of my receipt notarized by the U.S. Postal Service. This is a violation of CA AB 376, Special disclosure requirements for private education loans law 1026.46 ( b ) ( 5 ), and 34 C.F.R. Part 104.
Product: Mortgage

wE ARE ATTEMPTING TO NEGOTAITE A SHORT PAYOFF ON A HELOC THAT IS OWNED BY BBT AND THIS LOAN IS GOING INTO FORECLOSURE. WE HAVE ATTEMPT TO REACH OUT THE THE BBT LOSS MITIGATION OFFICE, AND WAS TOLD THAT WE NEEDT TO CONTACT THE HELOC LOSS MITIGATION. THE PHONE NUMBER PROVIDED ONLY ALLOWS YOU TO LEAVE A MESSAGE, WHICH FOPR THE PAST XXXX WEEKS WE HAVE LEFT OVER A DOZEN VOICEMAIL. WE HAVE CONTACTED BBT CUSTOMER SERVICE AND THAT EVEN TRIED TO REACH A LIVE PERSON AND AFTER SEVERAL ATTEMPTS THEY GAVE UP. WHE CALLED ANOTHER NUMBER THAT GAVE XXXX, XXXX AND AGAIN LEFT MESSAGE AND NO RETURNED CALLS. I TRIED CALLING ANOTHER PROVIDED BBT NUMBER ( XXXX FOR THE XXXX AND WAS ON HOLD FOR XXXX MINUTES THEN THE PHONE CALL DROPPED. CALLED BACK AGAIN, AND AGAIN AFTER XXXX MINUTES, THE CALL DROPPED. WE ARE TRYING TO INITIATE A SHORT SALE ON A XXXX MORTGAGE AND NEED SOMEONE TO CONTACT MY OFFICE ASAP. I HAVE INCLUDED THE BORROWER XXXX PARTY ARTHORIZATION AS WELL. PLEASE HELP. THESE PEOPLE ARE BOUT TO LOSE THEIR HOME AND THEY HAVE A PURCHASE CONTRACT, BUT NEED TO NEGOTIATE THE LARGE XXXX MORTGAGE THE MONTHLY PAYMENT WENT FROM {$510.00} PER MONTH TO NOW {$1800.00} PER MONTH AND THE LENDER OFFERED NO REASONAL SOLUTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX security is listed as a installment loan, it is not, this an alarm system that i never used, and ask this company to remove it, they would not, so i removed it, never used this system.This account has been sold, but know name who is the collection agency.
Product: Credit card or prepaid card

XXXX CHASE BANK CHARGED ME INTEREST FOR " CASH ADVANCES '' I DO NOT MAKE ANY OF THOSE. I SPOKE TO 2 REPS WHO SAID IT WAS WRONG AND THEY WOULD FIX IT. 
NOTHING HAS BEEN DONE, THAT STILL APPEARS ON MY ACCOUNT AND HAD PUT ME OVER THE LIMIT. 
THIS IS FRAUD AND ILLEGAL
Product: Money transfer, virtual currency, or money service

I Had opened a case with Coinbase on XX/XX/2019 regarding an unauthorized action on my account, and my Account is put on hold to no ability to login from that time, it's more than 45 days and still my case is not resolved, i had contacted their support team more than 10 times, they say that " Account Specialist is working on it '', without providing any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts. Collection charge off under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. 

For Collection/Charge off XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue is with CMRE Financial Services , Inc XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX I have paid off this collection account and i am currently applying for a home mortgage. I called CMRE this morning to have them take off this account from my XXXX and they said that they DO NOT take off information about the collection from any reporting agency. This was a medical bill. 

Thank you.
Product: Checking or savings account

The bank keeps lying to me saying they will send a wire receipt for my last XXXX wires. 
Each time the lie to me about them being sent or not sent it triggers my XXXX. I then ask for effective communication as an accommodation for my XXXX and each time I make the request they hang up on me. Today I was told to call back tomorrow to make the request then the agent hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX ( Original Creditor : XXXX ) Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX  Account number : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX, has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Account Resolution is furnishing on my credit report and I have no idea who this company is. I do not have a contract with them as I have asked them to provide me with a contract with my sign signature proving with this company that I have done business with them. They have failed to send me a copy of that, I believe this has to be some sort of form of identity theft because I am unaware of the amount, the account number, and this in the company, how did this company obtain my personal information? Also, this company isnt even licensed in the state of Florida to collect the debt. Why is this allowed on my credit report as I have disputed this numerous times?

According to 15 USC 1681eb maximum accuracy on the consumer report. also, there are multiple inaccuracies reporting on this account and account doesnt report collection every single month illegally updating the amount collections arent to report past due balances. This company is re-aging illegally the debt. Nothing about any of this is accurate it needs to be delete it.
Product: Bank account or service

I signed up for a Citigold account with Citibank with a promotional offer of XXXX AAdvantage miles after meeting certain requirements. I met these requirements more than 6 months and the promotional miles still have not been credited. 

I have contacted Citibank for about 6 or 7 times by now about this issue, and every time I 'm either told the case is under investigation or that they 'll file a new case. Their claim is that i 'm not eligible for this offer, even though I have numerous e-mail communication ( see attached ) from Citibank stating that i 'm eligible offer, that I 've completed all the requirements and will be receiving the miles soon.
Product: Credit reporting or other personal consumer reports

I was shocked to see unauthorized inquiries on my credit report this afternoon. I checked my report, as I usually do, and noticed discrepancies that were not there before. Even after refreshing my browser, the issues remained, and Im beyond frustrated. I demand immediate attention to the documents Ive submitted to ensure I dont have to deal with this problem again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX KIKOFF LENDING XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that the above referenced account being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : Never Opened an account personally and never went to a branch. FALSE ACCOUNT AND FRAUD ; Inaccurate Information reported.If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, EQUIFAX, AND XXXXwill investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to CFPB again because you are the governing authority to monitor and ensure the credit reporting agencies are maintaining accurate information. However, I have mailed certified letters to Transunion the last six months and this information has not been corrected. 

I am asking that you comply and enforce current federal laws and make them correct this information. This is my last attempt to resolve this matter with Transunion before seeking legal action against them. 

This is also my notice of my intent to file litigation for multiple violations of the FCRA. 

I pulled my credit report from XXXX and XXXX whom both confirm that the information they are reporting is coming directly from the Transunion database. I have not seen where Transunion has experienced a recent data breach that would lead me to believe that XXXX XXXX and XXXX XXXX are being less than truthful in their recorded statements to me. 

As of XX/XX/XXXX, Transunion is still reporting XXXX, XXXX, XXXX and XXXX XXXX as variations of my legal name. I have never gone by these names and they do not belong to me. However, my spouses name is XXXX XXXX XXXX and therefore these variations should not be reported on my credit report. 

As of XX/XX/XXXX, Transunion is still reporting XXXX XXXX XXXX, XXXX, XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Transunion has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/XXXX, Transunion is still reporting XXXX XXXX XXXX, XXXX XXXX, MD, XXXX as a valid address. However, I have never resided at this address and Transunion has failed to provide me with the proof they have obtained that says otherwise. 

As of XX/XX/XXXX, Transunion is still reporting the following open accounts. These accounts are not mine. I have sent certified validation and verification letters to each creditor and they have not been able to confirm these accounts are mine. However, Transunion continues to report them. Under federal law until an account has been properly validated and verified according to article 609, they may not be reported on a consumers credit file. Transunion needs to immediately remove the following : - XXXX XXXX XXXX  - XXXX  XXXX - XXXX/XXXX  XX/XX/XXXX - XXXX/XXXX  XX/XX/XXXX As of XX/XX/XXXX, Transunion continues to report the following invalid and unauthorized inquiries. The creditors have been unable to provide proof of such authorizations. 

- XXXX  XXXX XX/XX/XXXX - XXXX/XXXX-XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX Your assistance with this matter is appreciated. 

Thank you.
Product: Credit card or prepaid card

I set auto-payment with my XXXX XXXX bank account ending in XXXX to pay Barclay credit card $ XXXX   monthly, due to Covid-19 unemployment. However, on XXXX XXXX, Barclay withdrew {$450.00} from my bank account without my consent. Because my bank account was misappropriated, I contacted Barclay to credit my bank account the payment, but I was informed that the bank doesn't have the capabilities to rescind the payment. 

Based on the agent that I spoke to about resolving the issue, this withdrawal was intentional and without a resolution. The tape recorded conversation is attached for review. 

Due to Barclay decision not to rescind the payment, I have requested XXXX XXXX to credit the payment to my bank account.
Product: Credit card or prepaid card

Hi I called to close my first progress credit card account XXXX after depositing XXXX USD cash a few years ago. I'm owed a remaining balance of XXXXUSD. After called numerous times since XXXX and spoke with supervisor XXXX who said they would sent the check but I have yet to receive it however I'm able to get a monthly statement from first progress. 
Called : XXXX closed XXXX Spoke with XXXX - XXXX with XXXX - XXXX Spoke with XXXX - XXXX Spoke with XXXX - XXXX Spoke with XXXX XXXX Spoke with XXXX - XXXX Spoke with XXXX - I've to receive the balance owed and overpayment. Need assistance