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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Viking Client Services saying that I owed nearly {$2000.00} related to a rental from XXXX XXXX XXXX. I called XXXX to find out what this was in regards to as I have always paid for all of my rentals and have never returned a car with damage. 
I contacted Viking with more details about the debt they are requesting that I pay since XXXX says I do not owe them anything. They continue to claim it's from XXXX XXXX XXXX, but I have called XXXX XXXX  and they say that my account is paid in full and that I do not owe them for anything. I called my local police department and they told me that it is very likely that this is a scam and advised me to not pay it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft due to a data breach, and the following accounts and inquiries were not authorized by me.

Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$720.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$720.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX  {$2900.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4200.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2019, I had applied to XXXX XXXX American Express Card with a XXXX XXXX XXXX points bonus points for {$1000.00} in purchases. I applied through a link through XXXX XXXX website. A month later statement posted without my bonus points even after {$1000.00} in purchases. I opened a case with American Express about my missing XXXX bonus points. I've contacted American Express and they said the offer was not attached to the account. Why would I apply to a card without signup bonus? This is my first American Express card too. American Express supervisor said they could not do anything for me as it was out of their control.
Product: Credit card or prepaid card

Fortiva credit card uses deceptive practices when assessing late fees. If you make a payment on your due date but it happens to fall on a weekend or holiday the payment doesnt count and a fee is assessed. The same goes with their payment cut off times ; payments purposely do not post and fees are assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to review my credit file. 
I did not give permission to the following companies to pull my credit report. 
When I contacted them each by phone call, they were not able to pull up any information on me with my social security number, date of birth nor name. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. 

XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX CAPITAL ONE AUTO FIN XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX AXXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE CAPITAL ONE AUTO FIN XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX CAPITAL ONE AUTO FIN XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX  - NON SPECIFIC INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX BANK CREDIT CARDS INQUIRY DATE : XX/XX/XXXX REMOVAL DATE XXXX XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE : XXXX XXXX, XXXX REMOVAL DATE XXXX XX/XX/XXXX RE : DISCREPENCY ON CREDIT FILE XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX REMOVAL DATE : XX/XX/XXXX Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Against Coinbase Misrepresentation & Mishandling of Transactions To the FTC & CFPB, I am filing a formal complaint against Coinbase , Inc. for fraudulent misrepresentation, failure to honor confirmed transactions, and unethical account handling. 

On XX/XX/XXXX, I made a {$50.00} deposit to my XXXX account. Initially, XXXX claimed the deposit failed, but after multiple inquiries, a XXXX agent confirmed on XX/XX/XXXX that the balance was successfully cleared ( Case # XXXX ). However, on XX/XX/XXXX, I received an email from XXXX falsely stating a collection attempt had failed, contradicting the prior confirmation. 

When I followed up, a new agent falsely claimed that no payment was made and that XXXX was unable to pull funds due to insufficient funds. This is false, as my deposit was processed and used per CBs policies. Despite repeated attempts, XXXX refuses to acknowledge their internal error and continues providing contradictory information. 

XXXX XXXX : XXXX falsely claimed my deposit failed, despite prior confirmation that it cleared. 
XXXX conflicting responses show a lack of internal accuracy and transparency. 
XXXX refused to provide written confirmation that my account would not face restrictions due to their system errors. 
I request that the FTC XXXX CFPB investigate XXXX for misleading transaction handling, failure to provide accurate records, and unethical business practices. 

I demand : Written confirmation that my account will not be restricted due to XXXX error. 
An explanation for why XXXX falsely claimed my deposit was unpaid. 
Assurance that XXXX will not attempt further collections on a resolved balance. 
XXXX handling of this situation has been deceptive and unacceptable. 
Beyond the {$50.00} financial loss, I have experienced loss of productivity, emotional distress, and unnecessary administrative burden due to Coinbases mismanagement of my account. Their contradictory responses and refusal to provide proper documentation forced me to engage in excessive back-and-forth communication, wasting valuable time and effort that could have been allocated elsewhere.

I appreciate the FTC & CFPBs attention to this matter.

Sincerely,
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

1. AD ASTRA RECOVERY SERVICE Account Number : XXXX Please remove it from my credit report. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Mortgage

I paid Amerisave Mortgage Corp {$500.00} as part of an application to refinance my mortgage. They have taken the money but not done anything with the supposed refinance. They refuse to return calls or emails ( dozens of them ) and we can't get our money back. This process started back in early XXXX, it is now XXXX.
Product: Debt collection

An automatic call placed many times from XXXX states that there is fraudulent activity associated with my name and social security number. To avoid XXXX charges being filed against me they then give me a case number of XXXX and a contact number XXXX. When calling the XXXX number the operator tells me that I will be sued if I do n't come to an agreement even though it is a Time-Barred debt. They continue to call even after I tell them the debt is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

ear Sir or Madam : I am concerned about the validity and accuracy of XXXX XXXX recent investigation of the following accounts that are reporting on my credit report : DEPT OF EDUCATION/XXXX  XXXX {$9000.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$6700.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$3900.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5100.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$7200.00} XX/XX/XXXX DEPT OF EDUCATION/XXXX  XXXX {$5100.00} XX/XX/XXXX DEPT OF  EDUCATION/XXXX  XXXX {$6600.00} XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX XXXX {$560.00} XX/XX/XXXX On two separate occasions, I have requested an investigation because I felt these items on my report were not being reported legally. I received a letter stating that their investigation complete. My initial dispute was detailed and directly related to the accounts in question. 

The Department of Education was not able to validate any information after I sent a certified letter to them. XXXX  stated that everything was verified but showed no evidence of this after I asked them to supply the information. These accounts should have been deleted from my account and should not be reporting to the other CRA because proper and legally required validation and verification did not take place. 

I've followed the legal and rightful process to dispute these accounts several times with the bureaus through written and signed requests regarding being a victim of identity theft. The letters were sent through certified letters, with USPS tracking numbers. Each letter was signed and received. 

The sole purpose of this letter is to inform you that I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file.
Product: Debt collection

XXXX  XXXX ( in collections now ) is saying that I owe {$4300.00}. I clearly already paid off a loan for that amount thru XXXX XXXX ( I believe it was XXXX ) last year. XXXX  XXXX is saying they never received it, but XXXX XXXX says that they sent it to XXXX  XXXX. This is the first item I have had in collections and Im not sure what to do about it ..., I never received any sort of documentation from anywhere, theyre constantly harassing me, I have had to block an endless amount of phone numbers, and neither sides are further investigating on my behalf they rather me just pay them each for a semester of college I didnt even complete 8 weeks of.
Product: Student loan

First off my credits are non transferable. Which they lied and told me the wer accredited and that my credits would transfer. The credits do n't transfer. Second they never told me how much my program was going to cost. I did n't find out how much it costed till the day I got the letter in the mail from the loan company after I graduated. Plus now the program in took is XXXX dollars cheaper than it was when I attended.
Product: Credit reporting

I filed bankruptcy in XXXX 2015 it discharged XXXX 2015. Per my XXXX credit report it reflects XXXX XXXX XXXX XXXX XXXX XXXX account were closed XXXX/XXXX/2015. Per the Equifax XXXX credit reports the accounts still reflect open. I have contacted both XXXX and Equiax and requested to have the information updated per the XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a dispute through XXXX on XX/XX/22 but the creditor stated the account information was correct. There is one late payment on the account and it is reported inaccurately. Submitted a dispute but they rejected my request. I went through a financial hardship but the payment was made within 30 days and therefore should be considered late. 

In accordance with the fair credit reporting act XXXX account has violated my rights. 

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: Debt collection

A collection was added to my credit report in the amount of {$730.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character XX/XX/XXXX balance {$18000.00}, XX/XX/XXXXXXXX balance {$1000.00}, BankruptcyXX/XX/XXXX Discharged reference # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report as of X/XX/2018. Equifax have repeatedly put my older brother 's credit information on my report, and this happened many times before. I have disputed this kind of problem many times now, and I am getting tired of getting the same problem every time. I do n't have this problem with XXXX and XXXX, so why is n't Equifax doing their job?
Product: Debt collection

I am writing to file a formal complaint against Radius Global Solutions LLC regarding their attempt to collect a debt that I believe is incorrect. The amount they claim I owe is {$28000.00}, and I have requested a debt validation, which I have not received. Despite this, I continue to receive collection efforts without receiving adequate proof of the validity of this debt. I believe this attempt to collect the debt is improper for the following reasons : Federal Student Loans Have Been Removed : All my federal student loans have been removed or forgiven through [ XXXX XXXX Case # XXXX ]. As such, I should not have any outstanding federal student loan debt, and I believe that Radius Global Solutions LLC is attempting to collect on a debt that no longer exists. 
Discrepancy in the Debt Amount : The amount being claimed by Radius Global Solutions LLC, {$28000.00}, does not match any records I have regarding my student loan history or repayment plan. The amount they are attempting to collect does not align with the correct balance or reflect any forgiveness or adjustments made to my loans. 
BXXXX XXXX Case # XXXX Under Final Review : Additionally, my loans are associated with XXXX XXXX Case # XXXX, which is currently under final review. This case XXXX affect the legitimacy of the debt and its amount, as it relates to claims for relief due to the practices of my educational institution I have requested debt validation under XXXX XXXX XXXX, but I have not received documentation or proof of the debt, nor a clear breakdown of how the balance of {$28000.00} was calculated. I believe this is a violation of my rights under the Fair Debt Collection Practices Act ( XXXX  ), as they have failed to substantiate the debt and continue to attempt to collect it without validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit scores have been in the 700 's and have no late payments, collections or any negative history in my name. Transunion and XXXX dropped my score over 60 points because my Mortgage company changed. This is the second time this has happened and it's put my good name in jeopardy and has created hardship in getting great offers and maintaining excellent interest rates. This is totally ridiculous. My Mortgage is still open and always paid on time for many many years. It's seems inconceivable that these companies don't realize that Mortgage companies sell to other companies or servicing companies and should not impact my score. This is ridiculous that this keeps happening and trying to contact these companies is a futile endeavor. Transunion went from XXXX to XXXX and XXXX from XXXX to XXXX. This needs to be corrected immediately and want assurances that this will not continue to happen for the same reasons. this is ridiculous and legal action should be taken even if it's just to teach them a lesson that this is their responsibility to ensure accurate information is always reported and scores are accurate. Credit scores make a difference in your everyday life and it's not something to be taken lightly.
Product: Debt collection

On XXXX XXXX, 2017 XXXX opened up an account for me for XXXX dollars. I believe this is an error because I never opened up an account with XXXX. I would like for this account to be removed because its making a negative impact on my credit.
Product: Student loan

I have been paying diligently on my private student loans since 6 months after college graduation in 2010. This year I was told that my interest repayment was " up '' and I would now have to pay the full amount - {$530.00} per month - this is only private, it does not include federal loans or other bills I have. I can not afford the full amount and therefore called/emailed numerous times in attempts to change my payment so that I could remain in good standing. I was denied three times and told by customer service that they could not help me and that my best bet was to let the amounts go to collections because collections will allow my repayment to be " more flexible ''. My mother is my cosigner on student loans and I did n't want to do this - but I just can not afford the payment with the amount I make and other bills that have to be paid.
Product: Mortgage

After being in default for several years, DUE TO THE FACT THAT BANK WAS INSISTING THAT I PAY FRAUDULENT CHARGES, I had no choice but to reinstate my loan in order to save my home. 

However, the reinstatement quote included unsubstantiated and undocumented legal and other fees, and I suspect escrow inaccuracies. 

I have documentation ( attached ) to prove previous fraudulent billing for legal expenses and fees that were not incurred, however when I request the servicer to provide substantiation of amounts they are trying to bill me, they try to hide behind " attorney-client privilege '', which should not apply if I am the one being asked to pay for it, especially since I have evidence of fraudulent billing from the beginning of the foreclosure process.
Product: Credit reporting

The information has not been updated on my account. My account says that I have a balance of XXXX dollars owed to XXXX on XXXX XXXX XXXX but I have a paper that shows that my balance owed to them is XXXX. My bill has been paid but yet it has not been showed as paid on your balances on my report.