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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS : XXXX XX/XX/year> Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Verification and Removal of Incorrect Information Dear Sir/Madam, I am writing to dispute the following information in my file. I have reviewed my credit report and found several items that I believe are incorrect. Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, I am requesting that you verify these items through the physical verification of the original signed consumer contracts. If you are unable to verify these accounts, they must be removed from my credit report. 
Please find below the accounts I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand to see verifiable proof ( an original consumer contract with my signature on it ) that you have on file for the accounts listed above. Your failure to positively verify these accounts has negatively affected my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed, and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed above immediately. 
Please conduct a thorough investigation of these matters and remove the disputed items from my credit report. I have attached a copy of my credit report with the items circled, as well as a copy of my photo ID and a utility bill for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Caine and weiner illegally bought my information from progressive insurance company without my consent violating my privacy laws and consistently contacting me for purposes of collecting a debt illegally
Product: Money transfer, virtual currency, or money service

Hallo sir. 

My problem is XXXX I open a digital account by Coinbase. 
And since XXXX I received a message from Coinbase telling me I have to make a verification. 
Since I done this verification my account is under review. 
Its hundred percent ok, to do some verification to time to time but since XXXX I am triying get it solved I wrote at less 30 e-Mail or contact formula but nothing happened. 
Never get answer from human beings only XXXX bot telling me my case is closed. 
How can do big company like Coinbase be allowed to operate without customers support hotline or care. 
There are 10000 customers who these problems like mine.

I think it is time for someone do something about Coinbase. 

Account under review Your account is currently being reviewed and we need some time to verify your info. 
During this review, you wont be able use Coinbase. Generally reviews take few days. 
So sign every day or two to check your Status. 

This is the massages I got when I signed in my account every day since XX/XX/XXXX. 
I hope you can help or someone will read it and help. 
Best regards XXXX XXXX XXXX XXXX
Product: Mortgage

i have someone trying to purchase my home and I contacted ocwen inquiring about my payoff amount and when I finally received their quote o was appalled! It is so incorrect and on top of that they added on several fees and late charges which are not correct or right! I have my bank statements to show when they have been paid and on what date! After receiving this I decided to check my credit report and it shows that ocwen listed my mortgage closed back in 2013, which is NOT correct as I have been paying them monthly to this date! I now understand why I have been turned down so many times when trying to get a loan etc. this is illegal and a federal offense to not report to the credit bureau! I also have not received a monthly statement since 2013 and when I have inquired about this issue I was told each time they would correct it and send one, well I have yet to receive a statement! Now I know why cause who knows where my money has been going and based on their payoff quote and my credit report it sure has n't been going on my mortgage! I want this fixed immediately! As I have an opportunity to sell my home and due to all these circumstances and incorrect information I may lose the buyer as he cant wait forever for me to fix the problems ocwen has created!!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. Please delete XXXX XXXX XXXX {$230.00} XXXX XXXX XXXXXXXX {$210.00} XXXX XXXX XXXX XXXX  XXXX {$12000.00} XXXXXXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I tried to get my annual free credit report on line for year 2015 and Transunion will not give it to me because they ask questions that do not apply to me. They apply topply to another person whos information Transunion keep wrongfully adding to my credit report. This happens every year and I have to spend many hours complaining and filing law suits in Federal court just to get my credit report from them. Then the information is incorrect and I have to start all over again every year getting the same information taken off my credit report. It is against the law for them to hold wrong information on my credit report and then due to that wrong information they refuse to give me access to my credit report but allow the other person access to my credit report. Please make this idiot company give me my credit report as this is again affecting my credit and my employment. 
The questions they ask me are did I live at XXXX? which I did not, Was I known by another name of XXXX? which I have not, I have only EVER been known by my own name. Then am I associated with XXXX? which I am not. Due to my giving the correct answers to these questions Transunion again have denied me access to my credit report. It took most of the entire year last year to get this information corrected and once again they have added it back to my credit report when I IS NOT MY INFORMATION. Please see the very many complaints I had to make last year to get my report and then to get it corrected. Now we are back to square XXXX again and they have caused me to lose XXXX jobs because of their NEGLIGENCE
Product: Credit card or prepaid card

Hi, I want to ask for your help to reinstate my amex XXXX XXXX  credit card account. My cards were cancelled last week for " dispute abuse. '' However, I do not agree with this conclusion. I used my cards frequently and actually daily and internationally. When you use cards everywhere, you will encounter problems you can not deal with on your own, that is the reason why we trust amex to help su but not denying your service! You can not cancel people 's cards without even a notification. I am travelling internationally right now and cards got cancelled brought so many problems I can not deal with, is this amex want to bring to your customers? This is not fraud or gaming the system, this is a loyal customer got embarrased by the bank he trusted and proudly used everywhere around the world. I called amex several times asked them to reinstate my account but they said to me it was denied and probably will get denied again. Just because some team claiming dispute abuse, a loyal customer suffered the consequence of not being able to use cards globally. I ask your help to make an reinstatement request for my amex hilton aspire card account again.
Product: Credit reporting 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 XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct : XXXX XXXX  XXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$370000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$370000.00}
Product: Credit card or prepaid card

- On XX/XX/XXXX. When I booked the air ticket on XXXX XXXX website, a pop up promotions ad which was similar to attached screen shot appeared. So I applied the Chase MileagePlus Explorer credit card and it was approved by Chase. Then I purchased my ticket by using the just approved Chase credit card.

- On XX/XX/XXXX. When I received my first statement from Chase, I did not see the {$100.00} statement credit which is promised in the ad for my first purchase. I called Chase MileagePlus Explorer credit card. The representative said that I can only get XXXX bonus miles and there is no {$100.00} statement credit. I requested to talk to his manager ( the managers first name is XXXX ). The manager promised to investigate and call back to me.

- On XX/XX/XXXX. XXXX called me back. I did not answer the phone, since I was busy. So he left a message on my cell phone. In the message, XXXX said that Chase Card will honor the {$100.00} statement credit, since I did my first purchase with the Chase credit card on XXXX  website. And if I want to get additional XXXX bonus mile, I need to spend over {$3000.00} on my purchase in the first three month. ( I can send you the recorded voice message if you need it ) - On XX/XX/XXXX. I called back Chase Card. The representative said that she can not read the notes from the manager, so she can not do anything, she just let me know how much that I still needed to spend to get to {$3000.00} for the first three month. So I spent my Chase Card over {$3000.00} for the first three month.

- On XX/XX/XXXX. I called Chase Card again, since I still did not see the {$100.00} credit. The representative said that as a courtesy, Chase Card gave me additional XXXX bonus miles, but no {$100.00} credit. I requested to talk to his manager, and the manager still could not make decision. And promised to call me back.

-OnXX/XX/XXXX. A senior manager called me back. He said that I am not their targeted customer and am only the general public. He also claimed that I take advantage of Chase Card and Chase Card did not have that kind of promotions that I have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX BANK XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX Account # XXXX 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, credit repair services, or other personal consumer reports

I am unable to get credit report from Experian by any means.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had a fraudulent account on my report. Please remove this fraudulent account from my report because it is hindering me from obtaining credit. I don't recognize this account. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The four major credit bureaus, XXXX, XXXX, Equifax, and XXXX are failing to list 2 credit cards that I have active and current on my credit bureau reports. 

The 2 credit cards are issued by XXXX XXXX XXXX. I have contacted the bureaus numerous times in writing to dispute this omission. They have done nothing, and still do not show these 2 credit accounts as open. 

One credit card is in my name. The other one I am an authorized user on the primary card holder 's account. 

I have also contacted XXXX XXXX XXXX in writing, and they say that it is a problem, but that I have to have the credit bureaus resolve it, from here on out. 

The bureaus failure to list the 2 credit cards on my report is hurting my credit score, as these card accounts have been open a long time and I have never missed a payment on them. 

Please get in touch with all 4 major bureaus and make sure they start listing these 2 credit card accounts as open and current on my credit bureau reports. 

Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Post office box XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX type Single family XXXX XXXX L XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Apartment complex XXXX XXXX J XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Single family XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX FCRA violations XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : payments never late XXXX XXXX Potentially negative Date XXXX XX/XX/XXXX XXXX {$2500.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$850.00} Status Open. 
XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$98000.00} Status Open. 

FCRA violations : improper credit reporting XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$810.00} XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX - Status Paid in settlement. {$7400.00} written off.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my university and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! 

Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 

Items below should be deleted as soon as possible due to identity theft : Addresses : ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Collection account as listed below : XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX  opened : XX/XX/XXXX XXXX Opened : XX/XX/XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX : Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Inquiries as followed below : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking and removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

XXXX has been reporting a school loan and I never been to school this has been a constant problem this account is not mine
Product: Mortgage

Hello, I was notified in XXXX of XXXX that my mortgage was purchased by Panorama Mortgage. On XX/XX/XXXX I was sent a welcome letter via email instructing me to pay my first payment for the month of XXXX to Panorama Mortgage using a link. I used the link and payed my mortgage on XX/XX/XXXX. I received an emailed receipt. 

Since then I continually receive letters stating I am late on my payment. When I call Panorama Mortgage, they tell me they have a sister company with the same name and that I wired them the money. In addition, I was told they would not do the leg work involved in retrieving the money from the other Panorama Mortgage.

I proceeded to call the other company and after two weeks of calling them, they said, on XX/XX/XXXX they wired my mortgage payment over to the correct Panorama Mortgage company and they show it being deposited on XX/XX/XXXX. 

I am still receiving late notices. Ive tried to call Panorama Mortgage to confirm receipt and get the funds posted to my account. They will not do anything to correct the issue. 

It appears there is some type of fraud occurring here, either to generate late payment fees, or utilize mortgage payments for other transactions that they are not intended for. 


Mortgage is owned by : Panorama Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Company that sent me the link and welcome packet to pay my first mortgage is : Panorama Mortgage Group , LLC. 
XXXX XXXX XXXX XXXX XXXX, Site XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX
Product: Credit reporting

Equifax has been reporting incorrect information on XXXX Account # XXXXincorrect Open Date incorrect Payment incorrect Last PaymentXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CO XXXX Phone : ( XXXX ) XXXX times Equifax failed to verify correctly
Product: Credit card

On XX/XX/XXXX Comenity Bank for Victoria secret started reporting a new closed account. It has the exact same open date, charge off status, credit limit, close date ... ect the only difference is it has a different account number. The one that belonged to me was number XXXX. The new second account ends in XXXX. I called comenity and they said in the system it shows I never had the account ending in XXXX. I was then told they can't do anything because there isn't an account to fix. I asked for an email or phone number to their credit reporting office and they said neither exist. I can only send a letter through the post office and wait. I don't want to wait it hurt my credit immensely. I filed a dispute through the reporting companies and they said it would remain on my credit. 

I have even paid the collection through XXXX for the charge off that was my responsibility.
Product: Debt collection

The MBB INFORMRD THAT THERE AN OPEN ACCOUNT AGAIN MY FOR {$260.00} DOLLARS, FOR TWO MEDICAL PAYMEN THE PROBLEM IT'S THEY DIDE N'T SUMITED THIS PAYMENT TU MEDICARE, THE XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, MY NAME IT XXXX XXXX XXXX THE ACCOUNT # XXXX XXXX, THIS ACCUNTS WAS SINCE XX/XX/XXXX AND XX/XX/XXXX THE COLLECTION # XXXX XXXX XXXX
Product: Debt collection

I have tried to obtain a debt validation documents from Southwest Credit, however, they are unable to do so. They keep sending me copies of a bill, which does not constitute a debt validation. 
I have also disputed this with three credit bureaus, however they have ignored my request stating the debt is valid and that belongs to me. Collection agencies ( all three of them ) are not asking debt collectors to validate the debt rather than just obtaining copies of alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to EQUIFAX on XX/XX/22 via certified mail notifying them that a fraudulent XXXX BANK account ending in XXXX was reporting on my account and it was to be removed and deleted immediately. EQUIFAX did not comply. 

I sent a second letter to EQUIFAX on XX/XX/22 and attached an FTC Identity Theft Report noting the XXXX BANK account ending in XXXX. The XXXX BANK account was finally deleted from the credit report. 

Due to needing my credit report to be clean and where it should be so I can get approved for a home, after about XXXX weeks of waiting for updates, I noticed that my credit report was not updating with the changes and decided to call EQUIFAX directly. ( I also sent a second FTC Identity Theft Report on XX/XX/22. ) I called and the employee from the dispute department assured me that the aforementioned XXXX BANK account was no longer reporting and to wait for the changes to update. I patiently waited another 2 weeks and nothing changed, so I called again. The employee from the dispute department confirmed to me again that the aforementioned XXXX BANK account was not showing on my credit file ( case # XXXX ). Since I was unable to access my report online, I asked for an updated credit report in the mail. I patiently waited another 2 weeks for the changes and my updated report and there were no changes. I called again and the employee from the dispute department told me that the aforementioned XXXX BANK account in question was in fact reporting on my file ( case # XXXX ). I am EXTREMELY frustrated. I was lied to. 

EQUIFAX is ruining my reputation by reporting this fraudulent account and are violating my federally protected consumer rights under the Fair Credit Reporting Act. I did not give EQUIFAX written instruction to report the ( FRAUDULENT ) account violating 15 USC 1681b ( a ) ( 2 ). Furthermore, having this account reporting is a violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). It explicitly states that a consumer report is not to contain any information solely to transactions or experiences between the consumer and the person making the report. 

My consumer rights continue to be violated by EQUIFAX, as this account is still reporting, and this is causing my reputation much harm. I am NOT able to get approved for a home because of this inaccurate reporting. I am being discriminated against. This is causing me and my life so much harm. Per the FCRA, it is EQUIFAX 's duty to protect me as the consumer and is required to be reporting accurate information- which they are failing to do.