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

On a numerous of occasions, I have disputed a 30-Day late payment for the month of XXXX removed, due to a system error on XXXX XXXX XXXX XXXX XXXX XXXX. Also, I have uploaded supporting documentation to have the XXXX XXXX XXXX XXXX account ending in XXXX updated to have the 30-Day Late Payment removed from the credit file, but Experian did not remove it, but instead they keep verifying that the information is accurate and it was verified, but they did not verify anything. Please let this be the final dispute documentation to have this account updated immediately to have the 30-Day Late Payment For XXXX to be off of my credit file before I take this to court and sue for damages for violating the FCRA, and violating the 15 USC Section 1681a ( d ) ( 2 ) ( A ) ( i ). Please correct this matter immediately. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

We refinanced our mortgage with XXXX  ( who previously held our mortgage ) XX/XX/XXXX payment was made and lost in XXXX, Electronic payments for XX/XX/XXXX were attempted several times over the phone ( from XXXX ) and there was an issue on XXXXXXXX XXXX  end, we asked our bank XXXX XXXX XXXX to send a physical check to Amerihome for XX/XX/XXXX and this was cashed on XX/XX/XXXX, technically 30 days past due for XXXX would have been on XX/XX/XXXX. XX/XX/XXXX was paid electronically on XX/XX/XXXX. Payment for XX/XX/XXXX would be past due if paid after XX/XX/XXXX and 30 days past due on XX/XX/XXXX. Both XXXX & XXXX XXXX would like the derogatory remarks removed from all 3 credit bureaus as soon as possible. Documentation will be provided
Product: Payday loan, title loan, personal loan, or advance loan

Sent me a denial letter with information not on my credit such as serious delinquency and derogatory public record. I have no late payments. I have almost an XXXX score and I have more money in my savings than I requested in loan. I have no public records. I have perfect credit and payments. I am concerned their XXXX data will be incorrect as I was denied for reasons that are untrue and my credit report will show you this information.I dont know if I should speak to an attorney or just stop doing business with them. This is unbelievable
Product: Money transfer, virtual currency, or money service

For 4 weeks I have been trying to get my account unlocked. 0 response from Coinbase.com Here are the support tickets I've filed so far : Case # XXXX - Coinbase Pro says XXXX for Withdraw, and Trade blocked out even though payments are up to date Case # XXXX - Can not Sell, Convert, or Withdraw Crypto Case # XXXX - Coinbase Pro account can not withdraw, deposit, or trade! Please help! 
Case # XXXX - 4th Support Ticket -- No Response. I am reporting Coinbase Pro to the FTC 0 Response. They are holding my funds hostage, please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 I WENT INTO XXXX   XXXX XXXX TO TRY TO PURCHASE AN CAR.I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CEDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX XXXX XXXX DECIDED TO RUN MY CREDIT THREE MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE.
Product: Credit card

I received an envelope in the mail on XX/XX/year> with 2 letters from the Chase Bank. One letter was in XXXX and was addressed to me, with my full address and the last 4 of my card number. Another letter was in XXXX but addressed to a different person with her full name, address, and the last 4 of three different credit cards or accounts with Chase Bank. I called the support line on XX/XX/year> and was transferred to 4 different departments. No one seemed to be able to help me understand why my account was being closed, because my letter with the explanation was in XXXX and I can not read XXXX. Also, no one could help me with the protocol to ensure my personal information was not mailed to a complete stranger on accident or any extra security steps they can take to ensure no one can access my account when dialing in using the last XXXX or commit fraud. 

I then was transferred to a rude man that told me he could provide internal feedback on the issue of my personal information being possible shared on accident and there was nothing he could do. He also stated he could not explain to me why my account was being closed over the phone, despite when I called in the 1st rep said there was a note on my account to be transferred to a department to speak with me about the closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has placed a delinquent status on my credit reports. This information is inaccurate. It was placed on XX/XX/2012. This is affecting my ability to obtain credit and hurting my credit scores tremendously.
Product: Mortgage

We were on mortgage forbearance for 3 months due to Covid. In XXXX we requested 3 additional months of forbearance extension. The bank keeps telling us we are in " review '' and will not give us a final decision. They kept asking for the same documents over and over again. We sent everything, I called them every 3 or 4 days to see if there was a decision, on the phone they always say " you're in review for a decision, don't do anything, wait for a letter from us. '' Now we're getting letters from them saying we are delinquent, this mortgage has been reported to credit bureaus as " seriously delinquent '' and we're getting foreclosure letters. But when I call the bank and tell them, they tell me we are still in review, in good standing, and we will get a letter with the decision, and to ignore the " foreclosure '' letters as that is just something that happened " by mistake. '' It has been several months like this. We don't know what to do. We want to wait and see if our forberance extension is approved. But we're now seriously worried, first the foreclosure letters and now the credit bureaus show our loan as delinquent. 
Please help me get an answer from this bank, Specialized Loan Servicing LLC, as we don't know what else to do. Before Covid, we always paid our mortgage early, we paid extra each month, and should not be treated this way by SLS.
Product: Student loan

I would like to report what I believe to be a fraudulent attempt on the part of XXXX XXXX XXXX XXXX XXXX XXXX to withhold loan information until the closing of the XXXX XXXX Loan program which closes on Monday XX/XX/XXXX. I have requested information from UAS, XXXX XXXX XXXX, and a collection agency but none of these institutions have been able to produce evidence or information regarding who currently holds my XXXX loan. The original loan amount was XXXX and should have been in deferment as I have been in graduate school completing a XXXX and XXXX  XXXX since I graduated from XXXX XXXX XXXX  in XXXX. I began to inquire about the loan in XXXX. I was told then by XXXX XXXX and UAS it had likely been sent to collections, specifically XXXX. When I called the agency, they informed me that they had not held the loan since XXXX of XXXX. My UAS portal says that the loan is held by XXXX XXXX XXXX, but the school has claimed no paperwork indicating that in their files. UAS sent me a letter saying that an account specialist was working to resolve the issue and would give me a definitive answer by XX/XX/XXXX ( more than 15 business days after my initial request ). On XX/XX/XXXX I called and received only a sorry, we still dont have the answer. Currently, UAS has reported the loan as in default. This is having significant consequences on my ability to move forward with my education. I discovered this discrepancy when I attempted to receive desperately-needed financial aid. Until this matter is resolved, I am not granted access to this aid. Without an ability to contact holder of the loan, however, there is no agency with whom I can settle the matter or dispute the extra XXXX something dollars in unlabeled charges that have been added to the account. I suspect I am not the only one whose loans have been mysteriously lost before this crucial deadline on the XXXX but regardless of the cause, I just want to be able to resolve this issue for the sake of my credit and financial aid status.
Product: Credit card or prepaid card

Synchrony Bank is complicit in opening fraudulent cards in my name, then when I called for their help, instead of closing the fraudulent accounts, they opened MORE accounts in my name. 

Please help. 

I was informed by the IRS, that I had debt cancellations for this bank, even though I dont have an account with them. The bank could not even find the account I was calling about. But they opened a different one in my name. 

I called on XX/XX/XXXX to report the fraud & get it reported, and on XX/XX/XXXX I got a new card from them, instead of them closing & investigating the fraud. 

They couldnt even tell me when the fraud accounts were opened. They had different addresses for the cards. 

Someone at the bank is in on this scam. Please help.
Product: Vehicle loan or lease

On XX/XX/XXXX, my car was repossessed by Westlake Financial Services and was later sent to XXXX, FL for auction. I received a letter stating that I had until XXXX to make payment to avoid it going to auction. The payment was made on XXXX in the amount of {$1700.00} which is what I was told was owed. I asked for confirmation of payment and fees owed ( never got and was told they do not send outside emails/letters ). I then go on to my online portal and have now been charged additional fees which I have been given inconsistent answers about. This company shipped my car 4 hours away from the city I live in and is causing more fees to incur due to not sending release notice to auction facility. I have contacted this company multiple times and spoke to multiple agents from XX/XX/XXXX to date of this complaint. I have tried to get this rectified but keep getting the runaround. The car has yet to be released and is causing an undue financial burden.
Product: Debt collection

This debt collector has intruded into my credit trade lines via a third party. They are in possession of my person 's nonpublic ( private ) data, which is a violation of the Social Security Act, Gramm-Leach-Bliley Act, Title 18 and the FDCPA U.S.C. 1962c ( b ) and Identity Theft with is a violation of the FTC. I never verified my person 's social security number and XXXX XXXX , XXXX has never obtained my prior consent to communicate with me FDCPA U.S.C. 1692c ( a ). 
I sent a Cerified Return Reciept letter to the companies registered agent in addition to a copy sent directly to this debt collector to include a cease and desist and removal of this information from my trade lines with an invoice for damages enclosed. I have given them the proper amount of time to contact me with regards to this and they have failed to do so.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Checking or savings account

My debit card was stolen around XX/XX/XXXX and I had multiple fraudulent charges that day. I let USAA know that the charges were fraudulent, they temporarily refunded me and conducted an investigation. I reported my card stolen and ordered a new one. They rejected my claim, saying there were no signs of account take over. I called and submitted another request for review ( an agent told me I needed to include the information my card was stolen ), and then it was rejected immediately ( within a day ). 

The charges are as follows : XXXX XXXX, {$9.00} XXXX XXXX XXXX, {$34.00} XXXX XXXX, {$75.00} XXXX {$76.00} XXXXXXXX XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX XXXX, {$93.00} These charges are not mine and I am frustrated at how little help USAA has been.
Product: Mortgage

I was doing a shortsale with JP Morgan Chase, my agent received an email on XXXX/XXXX/XXXX stating that the offer had been approved by the investor ( XXXX XXXX XXXX XXXX and that she would submit the file for decision with Chase and that a response would be received in 5-7 business days. 

Then on XXXX/XXXX/XXXX my agent received communication from Chase stating that the offer had been declined by management. 

When my agent followed up the same day trying to find out how that is possible since the offer was already approved by the investor. 

Because of this the current buyer withdrew their offer, but my agent found another buyer who stepped up and signed a contract to purchase the property for the same amount of the previous contract which my agent submitted to Chase. 

But on XXXX/XXXX/XXXX she received an email from a XXXX XXXX at Chase stating that the shortsale had been declined by the servicer. 

She was told by the negotiator XXXX XXXX that they new offer would be reviewed. 

No response has been forth coming since that day.
Product: Debt collection

This company send me a letter stated trying to collect on an alleged debt. I have never done business with this company furthermore I don't believe I owe any debt. This document was sent in a positive amount which misleading and false. This company has failed send me any validation of this allege debt they are attempting to collect. They have violate my right a natural person I am the original creditor and only I can validate a debt and I do not validate any debt. This company has a habit of violating consumer right under the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is the numerous times I've complained about being a victim of identity theft. You must remove these items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$460.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  Balance : {$2900.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Yesterday, I received a phone call from IQ Data. They threatened to report me to a credit bureau for not paying a debt I owed. When I pressed them on the debt, they told me they had sent numerous letters to XXXX XXXX XXXX. I do not ( not have I ever ) lived at this address. They said that fact was irrelevant. I asked to speak with a supervisor. 

The supervisor was even worse. She raised her voice to me and even egged me into suing, saying they love to be sued. At this point, I heard cheering in the background of the call, so I assume her coworkers approved of her belligerence. When I tried to resolve the debt through a payment plan, she insisted I pay all or nothing. 

Today, IQ Data called my elderly father, a XXXX XXXX survivor, and harassed him. They apparently implied that they had been hired by the government.
Product: Checking or savings account

XX/XX/year> my early deposit didnt Show up. Capital one said theres an issue with the accounts and deposits. And it shouldve been resolved on XXXX. On XXXX it was still not resolved and I still do not have a paycheck.
Product: Payday loan, title loan, or personal loan

I applied for an home equity loan at Wells Fargo. They have my home loan. I have been there 10 years and never missed a payment or been late. My XXXX credit score is XXXX. They denied my application based on age. Of course they did not come right out and say that but they said they were worried about me becoming sick and not being able to repay my debt. I collect Social Security and work as a XXXX   XXXX  XXXX. They said my ratios were to high which they were not. You do not have a credit score of XXXX with to much debt. They were trying to count in my ratios what I was going to do with the money I borrowed but of course that is none of their business.My security was my home in which I had lots of equity. Of course they deny it was age discrimination and are trying to use my ratios. It was my loan rep XXXX who said this to me. When I applied for the equity loan they ran my credit and told me everything was fine. I was using the personal funds in my own business. The goal was to earn more using my own funds. I have contacted them several times but they still think that age discrimination in credit is OK with the bank. Do you think this is legal? 
Thank you, XXXX XXXX
Product: Debt collection

I believe the account is invalid. THE STARK COLLECTION AGENCY needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

THE STARK COLLECTION AGENCY XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

EXETER FINANCE LLC POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/2024 This company try to threaten me by taking legal action on me. And report this information to my employer n been harassed n calling me all day n night Debt is no longer mines
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy...

. 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. ) and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I 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. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/2018 Balance : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reporting about credit karmas guaranteed {$50.00} if you don't get approved for a credit card they will give you {$50.00} it's a scam and a fraud I got that message in my email and on my credit karma report that they would give me {$50.00} if I didn't get approved for a credit card well I applied for the credit card with a {$39.00} annual fee they ran my credit and I did not get approved all the sudden I got redirected to a higher interest rate credit card with a bigger annual fee and how to make at the deposit into their checking account with this card they recommended so I did not get approved for the card that credit card recommended that I would I had a high approval rate they said so at the meantime I did not get the {$50.00} plus I got my credit score lowered credit cardment is a big scam in a fraud would saying that they will guarantee you {$50.00} if you don't get approved credit karma also gets paid by the credit card companies for having people apply for their credit cards which this is a big scam like XXXX I hope something gets done about this because credit karma is making a lot of money off of people doing this and they're not giving him not giving them their {$50.00} it's a big scam