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

To Whom It May Concern, I recently reviewed my credit profile and noticed quite a few inaccuracies, falsifications, incomplete information, as well as accounts that are Un-Verified and more. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all of the information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediate The infractions are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AES/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  PA XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not only is it illegal for a 3rd party collection agency to even reach out to me to pay an old debt, the information is 100 % false! - inaccurate. I never gave anyone my written consent for anything.i DONT NOT OWE THEM!! NOT ONLY THAT WHY ARE CLOSE ACCOUNTS STILLS HOWING UP? I have no clue who that is. I WASNT EVEN IN SCHOOL ANY OF THOSE YEARS. I DEMAND YOU ALL TO DELETE THAT. I am demanding that both of these accounts be updated to paid as agreed and Never Late By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA  XXXX XXXX COMPLIACE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. My name is wrong!!!!! I also want to know where the fake names originated from. That is a lot of violations. There are 38 name violations that are inaccurate as well!!!! No THE XXXX YALL ATTATCHED TO THE LAST COMPLAINT DOESNT EVEN HAVE MY SIGNATURE!!!!!!!!!!!! THERE IS NO WET SIGNATURE. THAT IS MY FOSTER MOTHERS DOING!!!!!!!!!!! TAKE IT OFF. SO MY MOTHER AND MY AUNT DID THIS ..... THIS IS SICK. YOU DIDNT PROVIDE ME WITH ANY KIND OF WET SIGNATURE- I NEVER SIGNED THIS AND I HAD TO BRING MY BIRTH MOTHERS DEATH CERTIFICATE TO THE CASHIERS OFFICE TO CLEAR THIS HERE UP!!!!!!!!!!!!!!!!! THATS FRAUD TAKE IT OFF
Product: Debt collection

In XX/XX/2013 I applied for a XXXX loan from Armed Forces Loans. The loan was conditionally approved pending verification of XXXX XXXX XXXX. After my XXXX informed the loan representative of my pending medical retirement from the XXXX XXXX XXXX the loan offer was rescinded. Loan proceeds were NEVER sent to me and the contract was supposed to be voided. According to Armed Forces lending policy any servicemember in a pending discharge status can NOT receive a loan. I did not receive any money from Armed Forces Loans. However, this company is reporting inaccurate fraudulent information to the credit bureuas. This loan is showing as an unpaid deliquent debt on my credit and it should not be. The loan offer was rescinded and XXXX NEVER received any funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified several " hard inquiries '' on my Equifax Consumer Credit Report that were unauthorized, or that I do not recognized. These inquiries were already disputed with Equifax over XXXX ( XXXX ) months ago. However, it appears that Equifax failed to process my dispute and/or respond to my inquiry. The inquiries in question are : EQUIFAX MORTGAGE XXXX ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX  ( XX/XX/XXXX ; Unrecognized ), EQUIFAX MORTGAGE XXXX ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX XXXX XX/XX/XXXX ; Unrecognized and duplicative [ two occurred on the same day ] ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ). Equifax only had thirty ( 30 ) calendar day as per the FCRA to process my dispute. Equifax is currently in violation of federal law and must rectify the situation immediately. The removal of the disputed inquiries would be sufficient to resolve this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I sent {$1500.00} worth of a specific cryptocurrency ( XXXX ZIL tokens ) to Coinbase in error. Understandably, Coinbase does not currently support this specific cryptocurrency but it does support Etheruem and the specific cryptocurrency runs on the Etheruem blockchain. I reached out to Coinbase to have the coins sent back to me but I was given a bunch of excuses as to why they can not, the representative I emailed even went as far as to say that my coins were lost. This is 100 % false! The coins were sent to a secure wallet in which only Coinbase has the private key to access, and with this private key Coinbase can actually access these funds at any time. I explained this to the representative and she responded that Coinbase only accesses the private keys under extremely limited circumstances. If it can be done and Coinbase is just simply refusing to do it, they are pretty much stealing and violating lost property laws in NYS and in CA where they do business. The process to send me back my coins that were sent in error would literally with no exaggeration take only one minute if I had the private key to the wallet, but only Coinbase has access to the private key and will not cooperate in sending back the coins to me. I have proof of the coins in the wallet belonging to Coinbase and as well all communication from Coinbase regarding the matter. Hypothetically, if the value of this coin went up to {$1.00}, Coinbase would be sitting on $ XXXX USD equivalence in coins, not to mention all the blogs Ive found online with people in the same situation, just holding on to their assets as well. Return our assets Coinbase!
Product: Credit reporting or other personal consumer reports

Your letter is well-articulated and highlights your concerns clearly. However, to ensure a more professional tone, I would suggest a few revisions : -- - **Subject : Urgent Request to Address Credit Score Discrepancy** To Whom It May Concern, I am writing to bring to your immediate attention a concerning discrepancy in my credit score as reported by Experian. Despite identical information being provided to all major credit reporting agencies, my Experian score is significantly lower than those reported by other bureaus. This discrepancy is troubling and raises concerns regarding the accuracy and fairness of the scoring process. 

Attached, you will find documentation of my credit scores for your review. The consistency in my credit information across all bureaus makes it evident that the lower score from Experian is not justified. I am particularly concerned that this discrepancy may be influenced by factors such as my race and gender, which, if true, would be a serious violation of my rights as a consumer.

I kindly request that you immediately address this issue by thoroughly investigating and correcting my credit score. It is essential that Experian applies my complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) accurately and upholds its responsibility to provide fair and accurate credit assessments. 

I expect a prompt resolution to this matter and anticipate that my credit score will be adjusted accordingly. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I submitted my valid request to the credit reporting agencies that I am a victim of XXXX XXXX and according tot he FCRA 605C all negative items should be blocked and deleted from my credit report within 4 days. I've submitted my attestations form, statement stamped and sealed by a government agency and my ID for verification.
Product: Debt collection

Ashley Home Furniture is trying to collect nearly {$10000.00} in debt after someone fraudulently opened up an account in my name, I talked to both the loan people, XXXX  XXXX  and Ashley about this and they are still trying to collect a debt that is not mine. They told me someone in XXXX  did this, I dont even live in XXXX  . Each time I report it to my credit bureaus they agree with me, but Ashley again and again tries to ruin my credit by putting this on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a billing dispute with my old apartment complex in terms of an alleged past due balance. I had to relocate for work. I specifically requested a complete breakdown of charges in writing and never received a response. Now this alleged debt is showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize the credit card accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 inaccurate late payments being erroneously reported by Navient from XX/XX/XXXX on my credit reports. For three years I have repeatedly challenged this inaccurate reporting directly through Navient Customer Service, the Credit Bureaus, and utilized a Credit Repair Service to no avail. I submitted documentation two times to Navient directly, proving I was enrolled in school during the time their derogatory information was inaccurately reported. Navient has refused to acknowledge receipt of the documentation or remove this extremely damaging late payment status from my credit reports. <P/>I also informed Navient I never received any letters or notice that I was going out of deferment and into re-payment status although I have had the same address for over fifteen years. I also had over a 6 year pristine record with Navinet and XXXX XXXX prior to this incident and clearly extremely responsible regarding my loans. <P/>As a result of their inaccurate reporting and refusal to address their mistake, I transferred all of my student loans to another Servicer in XX/XX/XXXX. So Navient no longer services any of these loans, yet continue to negatively report to the bureaus. <P/>On XX/XX/XXXX, I spoke yet again to another Navient supervisor. She instructed me to email the documentation and clearly stated she would take care of the mistake. On XX/XX/XXXX I emailed the documentation again as per her request and to her attention. There was no response. Over the course of the next three weeks, I followed up with additional emails and had to place six more phone calls to reach someone in the same department, ( although I 'm unsure it was the same dept. as they refused to transfer me to the original person I had spoken to. ) They proceeded to inform me they had not received the document I emailed on XX/XX/XXXX. However they admitted to receiving the follow-up emails I had sent ( which ironically were part of the same email conversation ( linked ) that contained the document they refuse to acknowledge receiving. ) When I pointed this out, they refused to respond. <P/>Navient appears to maliciously ignore proof of their error and continues to report derogatory late payment status on my credit reports. Their erroneous reporting has caused great harm and an enormous time investment which has proven futile to resolve. Their inaccurate reporting has also destroyed multiple opportunities for housing, purchases and extension of credit.
Product: Debt collection

I received a phone call on my cellular phone on XX/XX/2018 at XXXX XXXX. The caller ID said United States. The number that came up on my caller ID was ( XXXX ) XXXX. Immediately the man whom had a foreign accent started asking me if I was ( MY NAME ). I told him that I was and he began asking me about my social security number.He already knew the last 4 digits of my social security number and read them to me. I then told him that I was not answering any questions because I did not know whom I was speaking with. He answered the " IRS '' He asked me for my current address. He then read my address to me. Again I told him that I was not giving any personal information because I did not know whom I was speaking with. He also has my name and phone number. I was getting very concerned with him having my information and I pushed him again asking who he was. This time he said he was with " NRS '' a debt recovery service. I had a XXXX injury and went through the XXXX XXXX XXXX XXXX XXXX and am now on XXXX. I told the man that it was a violation of my rights for him to pretend to be from the IRS. I told him that his phone ID even came up under United States. I told him that I would report him to the government. I asked him to mail me any requests and not to call me again. He clearly lead me to believe that he was from the IRS. I believe it was intentional because later when he said NRS, I could clearly hear the difference. He is attempting to collect debt information and allowing people to think it is the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 90 plus days past due on the XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and they did not validate the debt. Also the statute of limitation has passed on it from the original creditor. ( 2012 ) I also notice that the collection agency " re-aged '' the account by updating the date of last activity my credit report to keep the negative information on my report longer Account - Commonwealth Financial {$490.00} I am in the process of buying a home and this is interfering.
Product: Debt collection

The company continued to contact me and send me out a bill XXXX bill was 3 times in a week, when i asked them to send me proof of my signature and valid information not a statement that was from XX/XX/2004,, they refused, just kept calling me and refused to put debt in dispute. they continued to harass me after i contact information to attorney ... they then called my phone and told my roommate about the debt as well.
Product: Checking or savings account

ACTION : TD Bank called on XX/XX/XXXX at around XXXX Spoke with representative and supervisor. 

PROBLEM : I recently signed into my TD Bank account and received a pop up marketing message that tells me that my account has been " overdrawn/ATM card declined and that TD could have prevented this at their discretion '' in an attempt to get me to sign up for overdraft protection. The statement is a lie. I called TD Bank and had them confirm my account had not been overdrawn or ATM card declined. I asked for a supervisor who told me this was just a marketing practice and that she could not help me. I was referred to my bank XXXX. Even though their is no fee for the overdraft protection, by signing up you agree to be charged {$35.00} ever time you overdraft your account in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days to this bureau and they are disregarding a regular consumer dispute. Im beyond stressed and at my wits end. I have been sending letters before this and still they have not sent a response. Please help its having a huge damaging affect on my credit report and score.
Product: Checking or savings account

I filed a dispute for unauthorized transactions on my debit card, they credited my account for the amount in dispute, then without warning blocked my account, and when I called said it was closed and won't give a reason, I need my balance in the account to pay my bills, they have been holding it for approximately XXXX weeks now!!
Product: Debt collection

XXXX XXXX is reporting inaccurate information in violation of 15 usc 1681 and also 15 usc 1666b and also 15 usc ( 8 ) 602 and
Product: Credit reporting or other personal consumer reports

Incorrect address XXXX XXXX XXXX TER XXXX XXXX, FL XXXX, incorrect address X CANCEL XXXX XXXXXXXX XXXX, UNKNOWN FRAUD ACCOUNT XXXX XXXX XX/XX/XXXX, UNKNOWN EMPLOYERXXXX, UNKNOWN FRAUD ACCOUNT- XXXX XXXX XXXX  XXXX XX/XX/XXXX, UNKNOWN FRAUD INQUIRY XXXXXXXX XXXX  XX/XX/XXXX, UNKNOWN FRAUD INQUIRY XXXX  INSTALLMENT XXXX XXXX, XXXX
Product: Mortgage

I refinanced a mortgage for a single family rental property. Soon after closing, that mortgage was sold to Amerihome Mortgage around XX/XX/2018. I made my first payment to Amerihome and then signed up for autopay on XX/XX/18 using my business checking account ( I have multiple rental properties with other servicers and have always used a business account without issue ). Amerihome cancelled my autopay because they require a special form if using a business account. So I filled out the form and mailed it in and resigned up for autopay online on XX/XX/18. This time I assumed it was effective and took it off my to do list. However, my XXXX payment did not process because they had rejected my autopay again. I didn't find out my payment didnt go through until early XXXX. When I did, I immediately paid the full balance and explained the situation over the phone. The rep understood the situation and waived the late fee and all was good. A month later I found out Amerihome had reported the late payment to the credit agencies. I again called and explained the situation and wrote a letter to their dispute department but Amerihome refuses to remove the late payment from my credit report. My credit score has gone from an XXXX to a XXXX. This is not a late payment situation, this is a logistical situation that I have made multiple good faith efforts to comply with their requirements. Please help me to get the late payment removed from my credit report. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX sent letter to credit bureau asking for Method of Verification of bankruptcy ( did not dispute, just asked for MOV ) On XX/XX/XXXX their response was by the Bankruptcy court/XXXX  On XX/XX/XXXX sent letter to USBK COURT XXXX VA-asking if they verified and on XX/XX/XXXX I received their letter back, stating they do not report to the credit bureaus. 
On XX/XX/XXXX sent a letter to XXXX the 3rd party agency asking them to send me documents used to verify alleged bankruptcy and on XX/XX/XXXX I received a letter back stating " After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of the bankruptcy and removed this record from my XXXX report. 

On XX/XX/XXXX sent letter along with court house letter and XXXX  XXXX  letter stating the bankruptcy was unverified and to remove from credit and on XX/XX/XXXX I received a response back stating " we investigated the info you disputed and updated : NOT SPECIFIED '' and showed how it appears on my credit file>did not remove. 

On XX/XX/XXXX sent letter to credit bureau again stating the bankruptcy is not verified, stating I had provided proof that their method of verifying was invalid and warning that I would file a formal complaint to which no response has been received.
Product: Credit card

I was charged ( {$85.00}, XXXX XXXX XXXX, XX/XX/, XXXX XXXX   ) for bus tickets that I did not receive. On the day of travel ( XX/XX/XXXXXXXX XXXX XXXX  ) I had still not gotten my tickets from XXXX so I reached out to them. Turns out they told me ( I have attached screenshots of this conversation which was provided to Apple Card ), that they lost my ticket information and since they cant provide refunds I have to charge back through Apple Card, which I did. I was denied this chargeback by Apple, which does not make sense because even the vendor told me to do it!! Apple just denied me and would not help me when I reached out. They just told me that my dispute was resolved in favor of XXXX. How is that possible when XXXX was the one that told me to file the dispute to get me money back for no services rendered? A charge went through for something that should not have. I need this money back. Apple Card is despicable for trying to weasel out of a cut and dry case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/LOW, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/LOW, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Experian has not complied with FCRA 605B by failing to remove fraudulent accounts from my credit report despite being provided with the required documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent an Express Mail Letter via the United States Postal Service to Experian requesting a Method of Verification on a 30 Day Dispute Results that I had Received from them on XXXX XXXX 
The File Number for the Dispute is XXXX One of the Accounts was a XXXX XXXX XXXX  XXXX Account Number XXXX On my Recent Credit Score Results ... my FICO Score dropped by 14 points ... They Reported 20 Chargeoffs on XX/XX/2020 ... Now they have 30 Chargeoffs in XXXX XXXX 

Experian continues to ignore my Request to get Information on their Method of Verification of this Negative Inaccurate Reporting on my Consumer Account ... 

XXXX  has already Removed the same Account in XXXX XXXX