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

I have been addressing Equifax of a breach since before the Data Breach. Chief Judge XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX for the XXXX XXXX XXXX Georgia is overseeing these lawsuits. These lawsuits are known as In re : Equifax Inc. Customer Data Security Breach Litigation, Case No. 1:17-md-2800-TWT. 

Was finalized. 

Because I have personally been effected by it. Which can be proven through the link provided https : //www.equifaxbreachsettlement.com/ Now, there is a settlement pending for compensation HOWEVER EQUIFAX continues to Report Misinformation, as I have submitted MANY direct disputes with EQUIFAX TO THE CDPB PERSONALLY regarding this matter.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, NY XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX Opened : XX/XX/year> Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/year>
Product: Mortgage

I bought this house in XXXX and this home is my whole world and I raised my XXXX sons here. I am facing a foreclosure sale from Carrington on XX/XX/XXXX and I do not know why they have made things so hard for me. I have tried to work with them and sent them the paperwork at least XXXX times during XXXX to try and get a modification or forbearance or some type of relief and they never actually reviewed my information even though I send it in so many times. I feel this foreclosure is wrong because Carrington denied access to government CARES program and forbearance and other options for homeowners who lost income due to Covid. Instead of offering XXXX of these options for me, their agents had me fill out applications over and over and over again, constantly misplacing paperwork, saying paperwork was not received and giving me the total runaround. This should not be happening and I should not be losing my home because I struggled during XXXX. 

I have worked in the restaurant business for XXXX years and at XXXX time owned my own restaurant and have been working for many years in management for different restaurants. After XXXX and I divorced I stayed in the house with my XXXX boys and took care of all bills and the mortgage payments and did not have any problems. I lost my job in XXXX and struggled with the mortgage payment at that time and once I was back to work I applied for and was then approved for a loan modification at the end of XXXX. 

The first few months of XXXX were fine and I made the mortgage payments on the new modification with no problems. But then XXXX hit and XXXX XXXX was declared a disaster area and my XXXX was shut down and I began to struggle again. I called into Carrington to ask for help due to covid related income loss and they refused. They did not offer me the government backed pandemic CARES program with a forbearance. As I fell further behind I continued to call in and eventually their agents told me that I needed to fill out a new application. After I would complete the paperwork and send it in they would send me a letter saying that the application was received. XXXX weeks later I would get a new letter saying that documents were missing. I would send these documents in and I would verify Carrington had received them and thought everything was fine. Then XXXX months later I would be told that the review was cancelled because the documents I sent had been lost by Carrington. I feel like their employees play with me, because I send the things in over and over, back and forth, back and forth. This makes me very upset because this company was supposed to offer me a forbearance because my income loss was related to Covid but this never happened. I do this every couple of months with Carrington and sent in new applications at least XXXX times. Even though I try my best to give you what is needed, Carrington never ONCE actually reviewed my financial information to determine if I qualified for any type of assistance programs
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally file a complaint regarding several collection accounts that have appeared on my credit report, which I suspect may be a result of identity theft. Despite my efforts to address this issue with the credit reporting agencies and the involved creditors, the matter remains unresolved. 

Upon reviewing my credit report, I noticed the presence of multiple collection accounts that I have no knowledge of and have never initiated. These suspicious accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request that the Consumer Financial Protection Bureau investigate this matter urgently and collaborate with the credit reporting agencies and the involved creditors to address the fraudulent collection accounts on my credit report. Furthermore, I seek your assistance in expediting the removal of these unauthorized entries that are negatively impacting my credit profile.
Product: Money transfer, virtual currency, or money service

I am currently attempting to withdraw {$4100.00} USD from my coinbase.com account and and am being blocked. I have no trouble adding funds to my account, but when it comes time to withdraw money it says my ID is not verified and rejects it when I attempt to verify my ID ( even though I am already verified ) and will not tell me what part is wrong. For some odd reason I was able to withdraw a portion of it earlier this week ( {$1800.00} ), but it blocks anymore.

Customer service simply replies with an FAQ email. It does not resolve the issue that I have thousands of dollars in coinbase that I am unable to withdraw. The customer service phone line refuses to help with ID issues.

I have been a verified user of coinbase since 2013. My bank accounts and ID were previously verified. I am left with no course of action to follow to get my money out of coinbase.com
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged XXXX XXXX but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an XXXX XXXX REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX Balance Owed : {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX I did submitted a complaint on my credit report no issue were solved, I am hoping so CFPB may do solve this issue. My mortgage company were reported to credit bureaus for late payment which I did paid at the time when they have been reported to credit bureaus. After I could not proof my innocence with all valid documentations, wich I have all payments, transactions, cleared checks they have cleared, even after I submitted all this legal documents the company still refused to clear their FALSE report. After all this XXXX XXXX game I decided to sell my house to keep me away from this company. After I sold house I call to XXXX, XXXX and Experian credit bureaus. Both XXXX  and XXXX 100 % were cleared my credit which i am very thankful to them, only EXPERIAN DOESNT WANT TO REMOVE THE REPORT. Please contact them otherwise I dont know where to refer. Its been 1 year of nightmare with this issue. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraud account from Great American Finance opened XX/XX/XXXX on my credit report. I have tried to fix with company contacting them several times speaking to XXXX I even asked the company to validate with an instrument bearing my signature that I signed anything with this company. I even hired a company to dispute this fraudulent account to no avail. I recently learned about the FTC and filed two ID theft reports XX/XX/XXXX and XX/XX/XXXX and went to two different police jurisdictions to file an identity theft report. I have submitted the Identity block request, FTC ID theft report, Two Police reports to validate the theft as well as Fair Credit Act pursuant to my situation to a person named XXXX with no help stating to me they are closing the complaint as NO FRAUD The account number I do not have but the amount is estimated around {$1300.00}. 
Same with XXXX XXXX XXXX there is a AUTO LOAN for approx {$38000.00} that was opened XX/XX/XXXX Have disputed with company as well as credit bureaus and sent FTC report and police reports This has been nothing but a nightmare this is identity theft I have disputed with credit bureaus as well
Product: Debt collection

The company stated that they would send me the detailed information. I haven't received anything. ProCollect isn't the original owner.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I am the co-signer on a student loan for my son received in XXXX from XXXX. After some time XXXX took over the loan. My son graduated from college in XXXX. I completed a chapter XXXX bankruptcy in XXXX. Transworld Systems , Inc. sends me a collection letter. This loan has a charge off date of XX/XX/XXXX and the charge off amount {$24.00}, XXXX. My most recent telephonic conversations with Transworld results in a settlement of {$10.00}, XXXX. I asked them to confirm this agreement of {$10000.00} in writing to protect myself. The payments would be {$2600.00} for XXXX consecutive months. On XX/XX/XXXX I was told the letter requested would arrive in 7-10 business days. The letter did not come. I called back XX/XX/XXXX was told letter was not sent ; but now we will send. On XX/XX/XXXX I called to see if letter was sent. No letter sent. A manager, XXXX -- XXXX, told me to " trust '' them ; that if after I send all the money if there is a problem, he would confirm the settlement agreement. CFPB I would like to start sending the payments while I have assistance from family, but I do not want to get " burned '' when Transworld sends a collection for the amount I will save with this settlement. Otherwise, I am retired and on a fixed income. My son will be contributing to this reduced settlement. I just want some form of evidence to support the agreement of {$10000.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : XXXX XXXX  - Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Vehicle loan or lease

Pls refer to case # XXXX A Tesla rep called and offered credits for the early termination of the lease. 
The rep Never stated ( calls were recorded by Tesla ) that these credits weee to be applied regardless of when the vehicle was returned In fact ( recorded on the calls as well ) he was pushing for an early return of the vehicle Never was it stated that these credits would offset by any early return of the vehicle.. 
In fact these credits with the companys action dilute the effectiveness of the credit given scamming consumers out of moneys
Product: Debt collection

Company calls me 5-10 times a day on my work phone although Ive made it clear that its a work phone and not my personal. They have also called my boyfriends parents repeatedly after I and they have asked them to stop. Today they have called me twice XX/XX/20 at XXXX and at XXXX where they lie and say they are trying to verify employment ( but dont say for who ) and they need me to call back. She rarely says this is an attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Email : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject XXXX XXXX XXXX XXXX  XXXX XXXX Notice XXXX XXXX XXXX Account Dear XXXX XXXX Department XXXX XXXX am writing to formally dispute and report fraudulent activity regarding an account listed on my credit report under XXXX XXXX XXXXXXXX XXXX The details of the disputed account are as follows : Creditor Name : XXXX XXXX XXXX  Account Opened : XX/XX/XXXX Balance : {$240.00} Account Status : Open Remarks : Dispute resolved; customer disagrees This account is inaccurately reported, and I am requesting an immediate investigation and removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My dispute is based on the following : 1. The account is inaccurately reported as " Open '' when it should not be listed as such.

2. This account was fraudulently opened or inaccurately assigned to me without my authorization. 


XXXX. XXXX XXXX XXXX has failed to provide proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 


XXXX. XXXX XXXX XXXX response to my dispute with the Consumer Financial Protection Bureau ( CFPB ) did not provide sufficient validation of the debt. 


5. The company has already agreed to cease communication, which indicates that the debt may not be legally enforceable.

Additionally, please be advised that this matter is currently under litigation, and continued reporting of this disputed debt may constitute a violation of my consumer rights. Any further reporting of inaccurate or fraudulent information may be grounds for legal action under the FCRA and FDCPA. 

I have attached supporting documents, including my formal dispute with XXXX XXXX XXXX and their response to the CFPB complaint, for your review. In accordance with the FCRA, please conduct a reinvestigation and delete or correct this fraudulent information within 30 days. 

If XXXX continues to report this account, please provide me with a detailed explanation of the verification process used, including the name and contact information of the party who verified the account. 

Please confirm receipt of this dispute and notify me in writing of any updates regarding my request. 

Sincerely, XXXX XXXX Email : XXXX Attachments : 1. Copy of credit report entry 2. CFPB complaint and response from XXXX XXXX XXXX XXXX. Any additional supporting documents
Product: Credit reporting

AES/SUNTRUST # XXXX Date Opened : XXXX/XXXX/XXXX Date Closed : XXXX/XXXX/XXXX Original Loan Amount : {$4000.00} I was in a FORBEARANCE from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX. 
As of XXXX XXXX I had the loan payments deferred. There is no way that this account should be reporting as 60-120 days past due. This incorrect reporting has a negative impact on my credit and I 'd like this incorrect reporting corrected. They are also reporting this account with a current status of paid/current when in fact the account is PAID/CLOSED as of XXXX/XXXX/XXXX This account needs to be corrected and updated immediately Current reporting by Transunion XXXX status : paid as agreed/current ( the account was PAID/CLOSED on XXXX/XXXX/XXXX XXXX XXXX ok XX/XX/XXXX 60 days ( how did it jump from ok/current to 60 days in 1 month? ) - I was in Forbearance XX/XX/XXXX 90 days - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance XX/XX/XXXX 120 - I was in Forbearance
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( A ) XXXX XXXX XXXX XXXX, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under XXXX XXXX XXXX, XXXX, XXXX, XXXX these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$1400.00} Date Opened XX/XX/XXXX XXXX Card Date Opened XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$6200.00} **Inquiries** XXXX ( Finance ) XX/XX/XXXX 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus continue to report my payment history inaccurately after several attempts to get them to correct it. I have sent several disputes and complained over the phone several times. 
The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit card

Fraud services ... disputes not resolved since XX/XX/2023 Also, wrong credit limit... it is higher ... wrong APR ... rewards not given properly .... 

Reported to abuse email, bank of America XXXX at XXXX XXXX Texas branch, blacklisted blocked persecuted ilegally restricted victimized forgery Also car loan .... identity theft ... XXXXXXXX XXXX XXXX  ... XXXXinvestigated..no solution Not able to attach police reports, XXXX and FTC report is XXXX
Product: Vehicle loan or lease

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. Bridgecrest presented me with a fraudulent contract, they did not fully disclose all accurate and truthful information in the loan contract. 


I have demanded the Bridgecrest send me all requested information in order to prove that the alleged debt is owed, which they have yet to be so but they have continued to violate me consumer rights. They have not sent any of the information they are legally demanded to send according to 15 USC 1692g but they continue to collect on a debt that I have disputed which violate 15 USC 1692g ( b ).

I demanded the Bridgecrest send me the following information : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged Account # ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was this debt assigned to a debt collector or purchased?, ( 9 ) Amount paid of debt was purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ). Bridgecrest gave a response that was not sufficient as they didnt provide the information requested above.

Bridgecrest violated my Cease and Desist on XX/XX/2021 by sending me a letter that did not sufficiently respond to my concerns, request and demands but also informed me that it was an attempt to collect a debt. 

I also informed Bridgecrest that a sufficient response to my Affidavit of Truth was affidavit response with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stands as truth in commerce but that I can/will file fault judgement in the favor of me, the consumer and the necessary actions will be taken against Bridgecrest and XXXX XXXX XXXX XXXX