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

I sent a certified USPS mail of my complaint to Experian Credit Bureau on XX/XX/2019. 

I requested proof of validation of debt documents to be submitted to me by both XXXX and XXXX XXXX XXXX.The letter is attached, indicating all the required information that was requested, and that required a response. 

Upon completion of their investigation, I did not receive any of the documents requested, but yet Experian updated my credit report without deleting both accounts, for failing to respond to my request.
Product: Debt collection

XXXX XXXX keeps calling my phone number even though I 'm not the person they are trying to contact and do n't know the person as well. I called them and tried to explain and they were very rude to me and told me they would do nothing about taking my number off the list. I asked to talk to a supervisor and was then hung up on. The number they call me from is XXXX. This happened on XXXX/XXXX/XXXX at around XXXX am Arizona time.
Product: Money transfer, virtual currency, or money service

Coinbase advertises the purchase of XXXX, a cryptocurrency that operates on a blockchain called XXXX. However, when you purchase XXXX on XXXX, they actually sell something called an XXXX token on the XXXX blockchain which is *not* the actual XXXX cryptocurrency and which costs upwards of {$180.00} to convert into the actual cryptocurrency. XXXX, they completely lied about the asset they were selling and suckered me out of my money which I believe I was transferring to XXXX but instead was transferred to XXXX. So unless I spend now {$180.00}, I'm out my {$80.00}. XXXX refuses to take any responsibility for this action and only after I complained informed me that they do not actually sell XXXX on the XXXX network. This is entirely fraud, and as a company with significant holdings in XXXX, XXXX stands to profit from the more money sucked into that blockchain.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : 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 deposited a check into my bank of America account the next day the funds appeared in my account. I called bank of america and was told the check was good. I proceeded to purchase the equipment through a vender. as soom as those purchases went through bank of america told me that check was bad after they told me it was good and explained that due to my excellent record with the bank they rushed the check into my account. Bank of America caused this situation.
Product: Credit reporting or other personal consumer reports

I have errors on my record which is incorrect, I've paid all my bills and now I'm struggling to get ahead in life because of these inaccuracies.
Product: Mortgage

My prior mortgage servicing company, XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) has yet to refund my real estate tax escrow balance, even though they were paid off when I refinanced my mortgage back in XX/XX/XXXX. I closed on my refinance on XX/XX/XXXX, at that time my County real estate taxes were now due and payable, therefore I was required to pay the XX/XX/XXXX tax bill at closing on the refinance through the company I was closing with ( XXXX XXXX XXXX ). At that time, Loan Care also attempted to pay the XX/XX/XXXX tax bill. Since the County received the funds from XXXX XXXX ( company I refinanced with ) first, they did not cash the check received from Loan Care and likely was sent back to them. I called Loan Care twice in XX/XX/XXXX, and twice in XX/XX/XXXX to follow up on my tax escrow refund ( which should be approximately {$2100.00} ), each time I have called they stated they were still working on issuing the refund and that they will have an update soon. Nobody has once tried reaching out to me ( mail or by phone ) to inform me of the status of my refund, I have had to initiate each interaction with Loan Care. I have verified that I had plenty in my escrow balance for them to pay the taxes, there was no shortage in escrow at time of loan payoff by XXXX XXXX. The {$2100.00} is a LOT of money, and is money that is owed to me. Loan Care has no right to hold this money this long, when it was confirmed back in XX/XX/XXXX that the tax bill was already paid by XXXX XXXX.
Product: Student loan

I went to XXXX University in which they were found guilty of fraud now I owe XXXX for nothing. Now I owe so much money they took advantage of me knowing that they were commiting fraud. I just do not understand why do I have to pay all of this back when I was unable to graduate because of life issues. They over charged on everything knowing what they were commiting fraud.
Product: Credit reporting or other personal consumer reports

Approximately 30 days ago, I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report. 
I am specifically requesting documentation beyond a simple billing statement evidence that conclusively proves the account 's status and my association with said charge-off I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : XXXX XXXXXXXX Account Number : XXXX Account is showing a balance with a charge off as it's closed. please delete Instruction : Please Delete Immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting items as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct or remove them in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It looks like the late payments reported on this account are incorrect and dont reflect the actual payment history. After reviewing everything, it's clear that all payments were made on time, as agreed, without any issues.
Product: Credit card or prepaid card

Capital One reduced my credit limit from {$8000.00} to {$2000.00}. I contacted them and they said it was based on usage patterns in the past 12 or 24 months. It was because I have not been using this card enough. Not because I was using it too much or my credit rate changed for the worse or any other indication that I was a higher risk of default. This causes me problems because I have other credit cards and I try to manage my total credit usage so that I do not exceed 30 % of the total credit available to me. When they reduce my limit simply because I was not using their card, it can make my total usage pop to 50 % or more doing damage to my credit profile and score. They said there was nothing they can do. This is a bad practice that hurts consumers and users of credit products such as theirs. It is detrimental to their customers who are making an effort to improve their credit profile. It causes a downward cycle where my credit score can be lowered causing other credit cards to lower my limit, or costing me more for credit in the future.
Product: Student loan

I spoke with Navient in XX/XX/XXXX about a potential late fee over the phone and through their messaging system. The rep over the phone said as long as it was paid by a certain date, ( which was a few days into XXXX ) a late fee would not be applied. I paid the loan before the late fee, so no late fee was applied. I continued to pay my loan before the late fee date. 

The ONLY date that was missed was for the XXXX payment, and the late fee was applied for {$3.00}. I paid that late fee and even made XXXX payment early. 

I noticed another {$3.00} fee was added to my account when XXXX statement was generated online. At this point, I was in the hospital recovering from emergency XXXX and decided to deal with it when I was XXXX. 

After I was XXXX, I emailed Navient through their messaging system on XX/XX/XXXX asking about the late fee and how it should be removed since I paid the XXXX late fee I owed. 

However, I have never been XXXX month behind as I have only been a couple of weeks behind at most. Clearly if I were XXXX month behind, this would have been on my mothers credit report as well as my own ( It is not. ) I am attaching the payment history as I am not paying the late fee since it was paid. I would like this resolved quickly as it looks like they are attempting to make up past late fees, which is not legal. Again, I paid within the date before late fees were applied. Navient gives you until a certain date through the next month before late fees are applied and I have only missed this date XXXX time. 

The response I received is below from XX/XX/XXXX Your loan ending in XXXX has been XXXX month behind on payments since your XX/XX/XXXX payment due date. The payment for this due date was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX. The payment due for XX/XX/XXXX was made on XX/XX/XXXX then was returned on XX/XX/XXXX. Due to this returned payment, a XXXX XXXX was assessed on XX/XX/XXXX. Please note a XXXX XXXX can not be satisfied until it is disclosed on your monthly statement. Payments made before the disclosure of the XXXX XXXX will not be applied to the XXXX XXXX and can not be altered. 

We appreciate the opportunity to serve you. 

Best Regards, XXXX, XXXX Servicing XXXX
Product: Student loan

NAVIENT. 
Originally qualified for Spousal Consolidation. Program eliminated in 2006. Can not qualify for PSLF, because this can not be rolled into a direct loan. Would have debt forgiven ( XXXX left of XXXX ) if I could qualify.
Product: Student loan

My Sofi loans were previously serviced by XXXX. At the beginning of this month, servicing switched to SoFi. Unfortunately, this switch has made getting paperwork completed nearly impossible. For whatever reason, SoFi has not setup a secured portal where you can upload sensitive personal information. Instead, they direct you to email them insecurely to their general email account : XXXX. However, if you try to send them an encrypted email, they are unable to open up the email appropriately because it's a general email account. This became an issue because I tried to send them paperwork for the VA 's Education Debt Reduction Program ( EDRP ). I need what's called the Appendix M form completed. Every time I called customer service, they kept asking me to email my SSN, Name, Mailing address, and phone number unencrypted from my email to theirs. This is a huge security risk. After several hours of phone calls, I was able to find a service person who was willing give me their work email address so I could email a properly encrypted email to them. Even after that, it still took more phone calls to let other service people know that my form was now in their system. I've had my ID stolen multiple times, so I'm extremely careful about just sending my information out over the internet. Unfortunately, I need this specific form filled out by SoFi to receive my loan repayments from the VA. Finally, multiple service people have recognized this as a problem, but they are powerless to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of XXXX XXXX. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised in XXXX of 2021. Subsequently, I discovered an erroneous XXXX  XXXX XXXX reported on my Transunion credit report. I've disputed and submitted proof of ID theft and deletion from all other credit reporting agencies MORE THAN 7 TIMES, but Transunion and the ( Transunion company, LCI " LUNDQUIST CONSULTING INC. '' ) have denied all my disputes REPEATEDLY! This erroneous XXXX XXXX XXXX is seriously hindering my credit worthiness. I DEMAND THIS FRAUDULENT BANKRUPTCY BE DELETED FROM MY TRANSUNION CREDIT FILE NOW!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX {$660.00}, XXXX XXXX {$1000.00}, XXXX XXXX  {$650.00}, XXXX {$640.00}, XXXX XXXX XXXX XXXX {$540.00}, XXXX XXXX XXXX {$340.00}, XXXX XXXX {$1900.00}, has violated my rights. 

I looked at my Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragrap
h ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

MrCooper XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX The homeowner recently called in to MrCooper and was told on a recorded phone call to do a short sale. The homeowner immediately listed the property and the listing agent procured an offer. Now that we are trying to start the short sale in XXXX we are being told that MrCooper never had any intention of entertaining a short sale. 

**If you had no intention of reviewing for a short sale why was the homeowner lied to? 

**In Addition -- -- Prior to the homeowner calling in, neither the homeowner nor their attorney received any notification from MrCooper of foreclosure avoidance options. If you are going to tell someone on a recorded line to submit a short sale package, never communicate regarding foreclosure avoidance options, WHY are you denying them for a short sale BEFORE YOU HAVE EVEN LOOKED AT THE OFFER??? 

**MrCooper was very clear with what they wanted as far as submission for a short sale for this homeowner, therefore the homeowner did not misunderstand anything at all. I want the file reviewed for a short sale LIKE THE HOMEOWNER WAS TOLD WOULD HAPPEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report along with a copy of my SSN card and Drivers License for identification purposes. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received and investigation result on XX/XX/2020 in regards to XXXX XXXX for a Collection account. {$460.00} past due as of XXXX 2020. There are 3 issues with this account. 
1. XXXX apparently sold the alleged debt to a collection agency. So Experian is showing both accounts XXXX XXXX and also the Collection Agency. My understanding is that according to fair credit reporting practices XXXX should not continue to actively report a balance owed. That's double the damage and not permitted. The name of the collection agency on the Experian file is XXXX XXXX XXXX  
2. The amounts reported by XXXX vary per collection and Credit Reporting Agency. For instance the amounts reported to XXXX  were different than the amounts reported to Experian. XXXX  completed its investigation and concluded that both accounts should be removed from the Credit report and they have been removed. 
Experian investigation concluded that the debts were accurate however when I called XXXX and the Collection Agency they were unable to provide any documentation. I asked for a final bill, any kind of bill to confirm the debt and both XXXX and XXXX XXXX XXXX were unable to provide documentation. XXXX was unable to find the account on their system. They found an account that did not have a past due amount and was unable to verify a second unknown account. I'm not sure what kind of investigation took place but the difference in amounts, the fact that XXXX  removed the account and XXXX 's inability to provide a final bill on the account makes Experian 's investigation questionable. I communicated we were willing to pay, we just need everything documented and a final bill, both, XXXX and the Collection Agency refused to provide any kind of documentation. 
3. I was never properly notify of a debt by neither one of these companies.