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

was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX XXXX  CARD. The dates were XXXX, XXXX XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving into a new apt . I was under the COVID-19 SHUTDOWN and I believe I can use some help with the removal of the late payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit. The CARES Act calls these  agreementsaccommodations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax and XXXX  and XXXX  on XX/XX/2021 all to remove old accounts and also fraudulent inquiries from my credit reports. Only XXXX  did so and without any issues whatsoever. Both Equifax and XXXX  seem to not want to do their job. 
The accounts from Dept Of Education are closed from over 7 years ago and were transferred and are in good standing and the old CLOSED accounts should be removed. The Dept Of Education agrees to have them removed and also provided me with a letter stating it was the responsibility of the credit bureaus to remove them now. Also the fraudulent inquiries that were done without my consent were only removed by XXXX, and need also to be removed by Equifax and XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, and I have taken the necessary steps to address the situation promptly. I have filed a police report and an identity theft report supporting the negative auto loan with XXXX XXXX entry on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Wow! Just wow! You guys are making me sick with all this non-sense youre doing on my credit file. I feel like a broken record with what Im doing for how many months now. I told you already that I reached out to the bank and they approved of not reporting my accounts because you have given me no proof! Is it that hard to understand? I forwarded my FTC through CFPB for you to be informed of the misleading information you are reporting on my file but it seems that youre like heartless individuals there at Experian. Now, I need you to delete these accounts from my file because I am ready to send my attorney all the proofs that you are neglecting a consumers appeal. Please delete them now! 

XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please delete these fraudulent accounts within 4 days pursuant to Section 605B Account in Dispute : XXXX XXXX  Account Number : XXXX Reported Balance : {$1300.00} Account in Dispute : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$35000.00} Account in Dispute : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1300.00} Account in Dispute : XXXXXXXX XXXX XXXX Account Number : XXXX Reported Balance : {$120000.00} Account in Dispute : XXXX XXXX  Account Number : XXXX Reported Balance : {$730.00}
Product: Checking or savings account

My name is XXXX XXXX I was thinking this time and my son wrote a negative letter to the bank and they closed my account for it which I told he understand but since they close by account they told me that it would take anywhere from 3 to 5 business days for them to send me the balance in my account when they close my account they sent me for the balance of my account was a bad check so it wouldn't cash so I called him back again and I told him that your check was bad and they said that they would expedite me another check so I can have it down to my account since my account was closed well since then I've had no contact with time and they keep sending me letters saying that I'm if I keep sending them negative letters time at all I have no contact with them they close my account I have no reason to talk to him so I haven't talked to him so I don't know where they're coming up with the negative letters whatever I've been waiting over a month for my check now you know and they're still not sending me my money in my account my account 's been closed for over a month but they won't send me my money they can send me the emails we'll close your accounts already closed it's been close for a month and I'm waiting for them to send me my money all my money. I actually put down the wrong phone number it's XXXX that's my phone number the phone number I have listed on here was incorrect but that's that's my correct number now XXXX that's my current number
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

In XX/XX/2022, I requested to have the PMI removed from my mortgage. In XXXX an appraisal was ordered by the servicer and the value came back at {$510000.00}. I currently have a loan balance of {$390000.00} which would give me approximately XXXX XXXX XXXX ratio. The servicer has denied my request for PMI removal indicating that the XXXX ratio needs to be at XXXX XXXX. That is outside normal requirements for PMI removal. When I requested the documentation that indicated the XXXX ratio was reduced to XXXX XXXX  I was told there is no documentation.
Product: Money transfer, virtual currency, or money service

Coinbase Support Case # XXXX. 

I have been locked out of my Coinbase account since Friday, XX/XX/2021. I reported through their customer service channels that I lost my XXXX authentication and would need help from them to reset it. They initially responded to my customer service request by email on XX/XX/2021. I replied to what appeared to be a form response to explain to them further that I needed assistance resetting/replacing my 2-Factor authentication. They emailed again on XX/XX/2021 to explain that I would need to upload my identification and a photo into their system to verify my identity to solve this problem, but they did not provide a link or other means to actually do this. On XX/XX/2021, Coinbase Support sent me another email explaining other steps I should do to protect myself including changing my password and said that I should continue to reply to their emails to get further assistance. On XX/XX/2021, Coinbase Support indicated that a " specialist '' would look into my case. 

I have sent them numerous follow-up emails since XX/XX/2021, but have not received any further response once the " specialist '' became involved. I have also tried reaching out to Coinbase and Coinbase Support through various social media channels, but have failed to receive a response.

I have substantial value locked up in my Coinbase account and would like to regain access and control of my money. My Coinbase Support Case is XXXX # XXXX.
Product: Debt collection

I entered into a consumer credit transaction with XXXX XXXX XXXX. I received a letter from Radius Global Solutions LLC stating that this account has been sent to them for collection. Upon receiving this letter, an affidavit, debt validation and cease and desist letter were sent to the address provided on the debt collection letter. Also, after investigating this letter, I noticed there were violations and federal rights being disregarded against me as federally protected consumer. According to 15 USC 1692k ( 2 ) ( a ), in the case of any individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Product: Mortgage

After my residential home loan servicing transfered from XXXX to Nationstar, I got a letter from Nationstar at the first escrow review that my escrow payment would increase from around XXXX. It was then I realized my escrow balance was - {$1200.00} even though I 'd had the XXXX loan for 10 years and only minor, occassional fluctuations in payment. My insurance and property taxes are about the same, yet I have a negative balance?? Not possible. Funds were not transferred. Nationstar is dragging with response and still plans to nearly triple my escrow payment.
Product: Mortgage

XXXX- We paid our loan off, including the property taxes due that year. Round point Mortgage ( RPM ) asked transmitted the data file to core logic the same day to pay the taxes. 

XX/XX/XXXX- I called Roundpoint to ask for my Escrow refund. The stated they already asked their vendor to pay the taxes and to call the county or my title company to sort it out. They also applied an escrow adjustment to my account in the amount of {$2400.00}. Stating I still owed that amount. I called the county and they stated they received my funds from closing to pay it, but XXXX has not transmitted the file to them yet and normally doesn't for at least 2 more weeks. At that point they would decline the transaction and I would need to get the funds from my mortgage company. I called Round Point back, and asked them to call their vendor, XXXX and verify the date they send the funds and to cancel my payment. They said they can not do that. Once the file is sent they can not cancel it, even if the data is wrong. 

XXXX I called round point back and spoke to the same person, XXXX XXXX , who alerted me that I would have to pay the {$2400.00} before the XXXX or they would report it to the credit agency. I asked her how, with them owing me {$13000.00} could they report an unpaid debit when the county has been paid. She said they would as they need confirmation from their vendor, not the county of record. I told her to log onto the county website, it shows paid. I gave her the name of the person in charge there and her phone number to call for verification. She said she would investigate and call me back. I did not receive a call back the next day or the following day. 

XXXX- I called round point to again ask about my refund. They said their 3rd party has the funds and they have to wait till they " get something back '' about the loan. I asked them to call their vendor, they would not. I asked them to call the county to verify the amount was paid. They would not. 

XX/XX/XXXX- I called the county and verified XXXX had not transmitted the tape with the payments yet and called RPM again and was told XXXX would call me back. Later that day XXXX emailed me advising my options were to pay the shortage amount and when the funds got back to RPM they would reimburse me or to wait for the refund and have my credit report effected. I replied to her email the county tax office does not have the funds and outlined what the county told me was needed to get my funds back. She never replied. 

XXXX- I received a debt collector call from RPM and an email about my mortgage payment XXXX- I called RPM again. The same options were given and I was told there is nothing they can do. They can not call their vendor to ask about the funds and they can not call the county. I asked about the call and they stated I owed the money and would continue to receive calls about the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : NXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am currently disputing an unverified account with Experian that has claimed they have been able to verify as accurate information. I have asked the following credit bureau to provide me with documentation proving that this debt they claim I owe is actually mine. I have sent FOUR letters certified mail with return receipt dating back to XX/XX/2018 requesting proper verification of this account they are reporting that they stated in writing is correct and has been verified. Who verified this account? They have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it. ) and under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... ..Promptly DELETE all information which can not be verified. Experian is continuing to report this unverified account despite the fact they have NOT indeed provided proper documentation. The law is very clear as to the civil liability and the remedy available to me ( section 616 & 617 ) if you fail to comply with federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

On XX/XX/2006, a Judgement was filed in the amount of XXXX by XXXX XXXX XXXX, who purchased the debt from the original consumer credit card debt, XXXX XXXX. LVNV Funding purchased the debt from XXXX XXXX XXXX XXXX. 
Since this transaction, the debt has been sold four times to third parties, and each time they attempt to revive the judgment and add {$1400.00} ( moreover, a 74 % increase ) in interest for a total amount of {$3400.00}. 
I am filing this complaint against LVNV Funding LLC and the current representing legal group, Resurgence. The company and firm have violated my rights under and according to 735 ILCS 5/2-1602 ( a ). Plaintiff has inflated the amount over the allotted statute, broke the timelines for the revival of a dead judgment, and has continued to harass without verifying the debt is owed.
Product: Money transfer, virtual currency, or money service

I purchased two money orders from XXXX XXXX to pay my rent in XX/XX/2018. I found out several months later that the landlord had never received it. I contacted XXXX XXXX and they traced the money orders. Both money orders, one for {$1000.00} and one for {$340.00} had both been altered and cashed by someone other than the landlord. I completed the request to have the money refunded to me and provided all requested documentation. XXXX XXXX paid me back for the {$340.00}, but said the bank that had cashed the check, Capital One, never responded to their request to refund the money. XXXX XXXX says there is nothing else they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Please investigate the history reported on this account. It is absolutely inaccurate. Correct or delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take car XXXX Account Number : XXXX As a consumer by law, this account must be deleted immediately
Product: Credit card or prepaid card

XXXX   -   XXXX   XXXX   XXXX   - charged my American Express credit card in error on   XXXX   XXXX  , 2017, at   XXXX   XXXX    XXXX   XXXX  . They immediately acknowledged their error and promised to reverse the charge. However, when I returned from travel in  XXXX , in early  XXXX  of this year, the erroneous charge appeared on my American Express statement. I promptly disputed the charge, opening a case with AMEX, and also did the same with  XXXX .  XXXX  responded promptly and courteously, investigating it and advising that they had contacted AMEX and authorized the credit card company to charge back   XXXX   for the amount of {$490.00} ;  XXXX  advised me that it had accepted the AMEX chargeback on   XXXX   XXXX   2017 ; they provided reference numbers for that exchange with AMEX. However, AMEX not only failed to clear the disputed charge from my statement, they actually closed out their original dispute investigation on the matter ( #   XXXX   ), and sent me a letter dated XX/XX/XXXX  stating that they were reinstating the {$490.00}. claim to my account. I immediately called AMEX, and they re-opened the dispute with a new reference number,  XXXX , and asked me to re-submit my information by mail. This was done on   XXXX   XXXX  , 2017, with copies of all relevant documents, including the emails from  XXXX  Customer Care that confirmed the AMEX chargeback against them. I also uploaded all relevant documents to the AMEX site as instructed by them, at americanexpress.com/docupload.
To date, I have received no acknowledgement from AMEX about the fact that they have been made whole by  XXXX  and that therefore no charge is outstanding. Meanwhile,  XXXX  has been prompt to respond to my follow-up questions ; their Customer Care person   XXXX   XXXX   had made every effort to provide me the reference data regarding their resolution of the charge.   XXXX   ' case number for this matter is  XXXX . Meanwhile, I continue to be harassed by AMEX statements reflecting the {$490.00}. outstanding charge. Please assist me to have the credit card company promptly resolve this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX servicing 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
Product: Credit reporting or other personal consumer reports

I bought doors and a window from XXXX by XXXX. They installed the wrong patio doors. XXXX  XXXX XXXX agreed to replace the wrong patio doors but it would take about 6 months to rebuild them. A couple of months later our house burned down. I advised XXXX By XXXX that we still wanted the doors for the house we were going to rebuild. In XXXX XXXX  By XXXX advised Green Sky that they had installed the doors and requested Green Sky to pay them for the door. Green Sky pay them. The house was not built yet the only thing that was there was the foundation. I advised Green Sky of this and in accordance with the agreement with XXXX By XXXX I did not have to pay for the doors until they were installed. Green Sky put my loan into collection which lowered my credit rating from the mid XXXX to XXXX making me unable to get a loan for my rebuild. When Green Sky was made aware of this they refused to restore my credit rating and said it was up to me to take care of it.
Product: Debt collection

I recently received a fraudulent collection letter from a " legitimate '' collection agency, Convergent Outsourcing, that is a running a scam and stealing money and identities. They claim that XXXX XXXX XXXX submitted a collection to them and are requesting my personal information and that I pay the balance. No balance exists with XXXX XXXX XXXX. I researched this company and found that they have been running similar scams, stealing people 's money using fake claims, stealing identities, and effecting people 's credit ratings. They are running a fraudulent scam and trying to extort money which is not owed by threatening to negatively impact my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015, I went through the proper steps to prove the identity of theft. However, almost 5 years later, Experian is reporting the WRONG NAMES on my report even after I provided the police reports, copies of social security card, birth certificate, and id so how is it that they have the WRONG NAMES on my file and won't correct? Below are the wrong names : XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX Name ID Number and XXXX Report Number. 

XXXX XXXX XXXX This request can not be processed online. Experian maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. XXXX Name ID Number and XXXX Report Number. 

These two names are not my name. Nor do I have a middle initial so it concerns me that this reporting agency is reporting information from identity theft.
Product: Debt collection

I have previously disputed this information because I was paying the original creditor. I have no idea why I would end up in collections for this and never received any sort of notification. I think it is wrong that an account like this can even be reported to a credit bureau without the proper information being used. Unless this company is able to fully identify me as the owner of this account, I want it removed ASAP. I believe they have the wrong person because of what I previously stated and it is kind of weird because I still have electricity. So therefore, I must not be delinquent. I believe that my information was stolen in the XXXX  breach and someone is trying to use it against me. I want this company to stop trying to ruin my credit reports and delete all information.