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

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2600.00} Reason : This account is incorrectly reporting that I have 18 late payments. On my XXXX report there are 7 late payments being reported. 
Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX XXXX Account Number : XXXX Balance : {$1800.00} Reason : This account is incorrectly reporting that I have 16 late payments. On my XXXX report there are 5 late payments being reported Date of Last Activity : Inaccurate Closed Date : Inaccurate Account Type : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$4900.00} Reason : I dont agree with the amount and the open date of this account. Please provide the last billing statement from the original creditor showing the amount due and the date it was due or delete this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Balance : {$3300.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$500.00} Reason : I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 

INQUIRIES XXXX XXXX XXXX XXXX on XX/XX/XXXX Transunion XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX The items on my credit report are either inaccurate or have already been resolved, and I request a thorough investigation and correction. Despite contacting both the credit reporting agency and the data furnisher, the issue remains unresolved. I have attached supporting documentation, including screenshots, to highlight the inaccuracies. I appreciate your prompt attention to this matter and request an update to my credit report. Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my request off on XX/XX/XXXX, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 1. ) XXXX XXXX DEPT OF ED / XXXX XXXX 2. ) XXXX XXXX XXXXXXXX 3. ) XXXX XXXX, 4. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX # # # # # # # # # # # # XXXX 6. ) XXXX XXXXXXXX XXXX # # # # # # XXXX, 7. ) XXXX XXXXXXXX XXXX # # # # # XXXX 8. ) XXXX XXXX  # # # # # XXXX 9. ) XXXX XXXX # # # # # XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate.
Product: Mortgage

To Whom It May Concern : We initiated a mortgage application via XXXX. The lender we initially pursued the loan with was Lending.com ( aka Finance of America Mortgage, LLC ). 

XX/XX/2020 ; approximately XXXX XXXX  MDT : When I initially spoke with the Loan Officer, XXXX XXXX XXXX, the subject of title companies came up. He was quoting me approximately {$1800.00} for title costs. I specifically asked if we could choose a different title company because I thought it had been cheaper during our last refinance. Mr. XXXX clearly indicated that if we did not use a title company of the lenders choosing, they would not want to pursue the deal. He offered a reason that because of the ongoing COVID-19 pandemic, their preferred title companies would be most useful to facilitate remote closing. 

However, when viewing the initial loan disclosures, which I have saved, there is clearly a form for me to sign indicating that I can choose whichever title company I prefer. Furthermore, the form indicates that one of the lenders title companies shares 100 % common ownership with the lender. 

XX/XX/2020 : I reached out via email to Mr. XXXX because I wished to put him on the record and keep the correspondence in writing. At this point I wanted clarification and was not averse to still using his company for our loan purposes. However, and I saved the email thread, he tried to say that he specifically told me on the phone we could use a title company of our choosing. This was a blatant lie and It is my belief that he only changed his statements regarding title companies once I put him on the record by putting the correspondence in writing. 

I realize there is no way to prove the contents of our phone call. The best I can do is provide timely documentation of such things thus creating a time stamp. 

That being said, I did wish to go on the record and provide formal complaint of his dishonest practices. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I contacted coinbase about fraud committed on my account in order for possible recoupment. 

Coinbase will have a history of my transactions and the wallet addresses. 

Coinbase opened a ticket ( ticket # XXXX ). The online agent gave me information from a script after giving me transaction numbers, but did not offer solutions for recoupment from a fraudulent claim. I also submitted a online complaint with Coinbase. 

All monies were sent from XXXX address : XXXX Sent To addrsses : XXXX. XXXX XXXX. XXXX There are different time frames where crypto fraud took place ( network XXXX. 
XXXX. XX/XX/2023. {$19000.00} XXXX. XX/XX/2023. {$13000.00} XXXX. XX/XX/2023. {$2100.00} XXXX. XX/XX/2023. {$17000.00} Below are the confirmation transactions : XXXX. 
XXXX. 
XXXX. 
XXXX.
Product: Credit card or prepaid card

This is not a duplicate complaint! Barclays will not respond to my calls or emails regarding the handling of my dispute. I previously filed a case with CFPB. The response from Barclays included the response from the merchant regarding the dispute. The documents supplied by the merchant do not belong to me! Their response is fraudulent. Barclays denied my dispute based on fraudulent documents. Also, Barclays claims that I have not provided proof that the merchant was refunded in full by the airline. That is completely false. I emailed documents to Barclays on XX/XX/XXXX that included a response by XXXX XXXX to the US DOT complaint that I filed. Attached to the response were copies of the original credit card transactions made to purchase the tickets and copies of the refund transactions to the merchant 's credit card. The merchant ( travel agent ) was fully refunded by XXXX on XX/XX/XXXX. I have brought these inconsistencies to the attention of Barclays, but nobody will respond to my email messages. In addition, the phone number supplied to me goes straight to a voicemail. I did leave a voicemail with a specific message and call back number, but nobody has called back. It seems they just want to ignore the problem.
Product: Debt collection

i sent a letter XX/XX/2019 asking for verification for a debt. i asked for a balance sheet, proof of ownership for the debt, how the debt was calculated ... on XX/XX/XXXX i recieved a letter only stating they had verified my name and amount owed for the debt. they refuse to send me proof of the debt. yet want to keep reporting it to the credit buereaus
Product: Mortgage

Today,XX/XX/XXXX I found out that my mortgage company, Triad Financial, did not pay my property taxes out of my escrow account. I have called the company, sent an email, and tried to contact them via XXXX. They are not answering. This situation has affected about XXXX people or more in my manufactured home community. We are also not able to tag our cars since we now owe " delinquent '' property tax. The money is in my escrow account, I checked. I also spoke to XXXX XXXX XXXX  and they stated they faxed multiple times to Triad to pay these property taxes, and have not heard from them as of today. This company is not accounting their money correctly even on a monthly basis. They will state you are late even if you pay a few days early and then put the money into the incorrect sections of your account. Dealing with them over an issue on a monthly payment has become a " normal '' thing, and now this situation over the property taxes.
Product: Vehicle loan or lease

I PURCHASED THIS VEHICLE IN 2016 LOAN COMPANY AT THE TIME WAS PLATNUIM AUTO XXXX I MADE PAYMENTS AND SOME TIMES I WOULD DOUBLE UP I WAS PLACED ON A PAYMENT ARRANGEMENT UNTIL I GOT CAUGHT UP FEW MONTHS LATER I FINDS OUT THIS COMPANY TRANSFERED MY LOAN TO ANOTHER COMPANY NICHOLAS FINANCIAL THE PAYMENTS I WAS MAKING THE SUPERVISOR WAS TAKING IT AND SHE WAS FIRED SO NOW THIS COMPANY I'M WITH NOW HAS STARTED MY LOAN ALL OVER AND EACH TIME I'M MAKING A PAYMENT IT'S GOING TOWARDS THE INTEREST AND NOT THE CAR THE LOAN IS STILL AT XXXX I REFUSED TO CONTINUE TO MAKE PAYMENTS AND IT'S NOT GOING TOWARDS THE CAR I SHOULD HAVE BEEN DONE PAYING ON THIS CAR I'M CONSIDERING HAVING SOMEONE TO BUY IT I NEED SOME HELP PLEASE
Product: Debt collection

A debt collector is attempting to collect XXXX dollars in association with the City and County of XXXX XXXX XXXX. The letter offers the reason being my failure to file a " Declaration of Closed Business '' form. This debt letter was issued to me on XXXX XXXX, 2016, ten years after having XXXX and XXXX years after having operated XXXX XXXX XXXX XXXX XXXX, a XXXX XXXX. A declaration of closed business form was not filed for either business as I was unaware that it was a mandatory action. An email communication was submitted to XXXX on XXXX XXXX, 2016 asking about the claim a response was provided. ( reference number XXXX ) Upon speaking with a representative for Linebarger Goggan Blair and Sampson, LLP and after having submitted a request for validity of this claim in writing to their firm on XXXX XXXX, 2016 with no reply it was announced that the request was 1 ) not yet received and 2 ) the request was forwarded to the city and county of XXXX XXXX. Today contact was made to XXXX via cell phone, ( reference number XXXX ) asking about this claim and needing to know how to obtain the business account number in question so to complete the Declaration of Closed Business Form for submittal to the city and county of XXXX XXXX. The woman speaking exclaimed that she did not have the information of the business in question and so I provided her with the information mentioned at the start of this letter regarding my business involvement in XXXX XXXX from XXXX. It would be good to know how to obtain the information for form completion and weather or not this is a valid claim. Thank You.
Product: Debt collection

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits.

2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX 11. CREDENCE RESOURCE MANA Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX TRANSUNION XXXX. XXXX XXXX XXXX, PA XXXX To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$11000.00} I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.
Product: Mortgage

My mortgage servicer " Nationstar Mortgage '' continues to misapply my payments, Every month I make and additional principal payment which I have instructed them to apply to the unpaid principal balance along with my principal & interest payment due. When I get the monthly statement they are posting the additional principal as a short payment and reporting a " Lender Paid Expense ''. This company has not incurred a " lender paid expense " on my account. I have contacted them every month and they have not resolved the matter and continue to misapply the payments. HELP!!!!
Product: Credit card

The following hard inquiries currently listed and showing on my XXXX XXXX and XXXX credit report is fraudulent, unauthorized and not my hard inquiries : Destiny Mastercard, XX/XX/XXXX and XX/XX/XXXX. The hard inquiries are fraudulent. I will be sending a copy of this complaint to XXXX XXXX, United States Senator Minnesota, XXXX XXXX, United States Senator Minnesota, XXXX XXXX, Minnesota Attorney General and XXXX XXXX, United States Attorney General, U.S. Department of Justice. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was laid off of my job of twenty two years. I am now unable to receive my XXXX from social security. Because Experian have allowed my history of all my employers to be deleted. 

ExperIan is denying me my credit report, yet they 've given others access to my credit report. Someone had an address on XXXX for Michigan and I have never lived there, nor have I visited there. 
I am a senior citizen and am being denied freedom of information by Experian. This credit agency is violating all of my rights, by also denying me freedom of information. That belongs to me. 

Someone robbed me, XXXX XXXX in XX/XX/XXXX and stole my drivers license and social security card. XXXX XXXX XXXX XXXX XXXX, I 'm denied health care. My health is deteriorating as a result of this credit agency. 
And is pretending to be me. If Experian trace the wage earner courts they will be able to determine it 's me. My payments were payroll deducted by my former employer and paid to the courts. I 've reported all credit agencies to the Supreme Court in the state of Tennessee. Since you feel as though you it 's alright to deprive me of the fair credit act/freedom of information. You 've given my information to others. I 've mailed everything you requested on XX/XX/XXXX. Someone changed the name on loan number that belongs to XXXX XXXX XXXX. The name was changed to XXXX. 

The loan was discharged twice through the courts, once on XX/XX/XXXX and XX/XX/XXXX. I 'm sure the Supreme Court will be interested in this information. If this agency contact XXXX they will learn my identity have been stolen. Social Security also. This agency have allowed people to get houses using my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX Date XX/XX/18 On Notices on page 3 of 4 under notices has perceived this as a high risk because it pertain to a business or was used as a mail drop. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Experian has incorrect information XXXX is a apartment complex named : XXXX at XXXX XXXX XXXX XXXX NV XXXX Experian has incorrect information under Notices and or need to provide proof as to may perceived as a business or mail drop or delivery service. 

Experian keeps adding information on my Personal Information page that is not correct and needs to be removed. Or provide documented proof to the information as stated by them
Product: Credit card

Bank closed my XXXX credit card accounts without any reason or anything negative that I have done. I have always paid my bills on time and in most cases I paid the bill in full by the due date. By closing my account I lost all the points that could have been redeemed for credit on my statement. I have been as customer for about 3 years. I started with a {$2000.00} credit line my line was at {$12000.00} at the moment as well as XXXX other credit lines XXXX for {$10000.00} and XXXX for {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act hard inquires XXXX XXXX ( BANK ) and XXXX ( finance ) posted on dates XX/XX/XXXX and XX/XX/XXXX respectively are violations my rights and is a committance of illegal reporting. These are unauthorized inquiries that I did not initiate. 15 U.SC 1681G ( a ) ( 5 ) States A consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I need to reopen and add additional information to complaint XXXX, and would like it escalated to a manager. BMO AKTO called me and actually stated they do not have to offer any review process and can deny my attempt to pen a CD literally for discriminatory reasons, and do not have to specify what they are to allow me any way to respond at all. This bank should have its charter revoked, and the CFPB is doing nothing but file away complaints without ever doing anything. I would like the history of this matter reviewed in detail. Thank you.
Product: Mortgage

Applied and accepted modification in XX/XX/year>. Made three promissory payments. It was unclear on when paperwork was due. Failed to return it on time. Was told that I need to reapply. Finances and income are the exact same. They now say I have no options but foreclosure because I have had too many modifications. Also they say that Im not eligible for forbearance because its not fema. They asked for proof of bank statement and then denied me before the due date of when it was due. I worked with hud counselor and she couldnt reason with them either. Since then I have had a major medical issue and will be getting a settlement for a severe XXXX XXXX XXXX. But dont want to loose my home before then. Havent received foreclosure info yet. The amount of reinstatement keeps changing as well. I have documents showing all of this. 
My original hardship was from divorce last XXXX.