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

CFPB I thought you created laws to protect consumers? I do not feel protected. XXXX ( my student loan providers ) are allowed to disregard the consumer laws. I've asked them several times to removes transaction placed on my consumer report that I did not consent. I am writing to request the following information that appears on my Transunion, and XXXX report be removed from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account are reporting multiple times on my consumer report, they can not report the same account multiple times on my consumer report, also these accounts have been deleted from my XXXX report however, when I have reached out to Transunion and XXXX I was told these accounts were verified. How when one CRA deleted the information. XXXX was supposed to contact the other 2 CRAs with a carbon copy on the deletion so they may remove the accounts to ensure accuracy of my consumer report. That was not done and in violation of my consumer rights. 
XXXX has abused their billing practices and are in violation of my consumer rights. They are willfully non compliant to the consumers laws that are supposed to protect me this is discrimination and unlawful billing practices and they have caused damages to me and my families ' livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today upon checking my credit report on XXXX  XXXX  my score decreased significantly because equifax reported that my XXXX  MasterCard increased by {$4000.00} this is completely incorrect my balance did not increase by that amount.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I was unable to access my XXXX exchange account. XXXX is a widely used cryptocurrency exchange in the USA and if FDIC insured. XXXX 's parent company is XXXX. 

On XX/XX/2018 I got the error message " An error occurred. Please contact XXXX support '' after trying to log into the exchange. 

After this, I called the XXXX support line : XXXX ( XXXX ) XXXX. I spoke to a representative and was told there's some kind of security flag on my account. They gave me a case number and said a " specialist '' will need to look into it.I got no specific timeframe in which I could access the exchange again or any reasoning as to why I can't access my funds.

I have a large sum of assets on XXXX that I can't access. I can't wait for days or weeks for this to be resolved as I have bills to pay and I was planning to sell some of my assets on the exchange as I have attained a substantial return on my investments, mainly from the ethereum asset. Reading other stories like this it seems the resolution time for things like this can take weeks or even months. I've been a loyal Coinbase customer for over 2 years and never had this problem. I'm really worried and I'm having trouble focusing at work as I have a large sum of my net worth tied to the exchange. 

I want access to XXXX so I can move my coins to a secure wallet and have them in my possession. 

I've attached attachments of my transaction history to XXXX, as well as the email exchange with XXXX and the error message I am receiving. And also an XXXX spreadsheet detailing my ethereum transactions on Coinbase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before I explain, I want to say my demand is clear and I demand a knowledgeable representative looks over my complaint. Thank you. I pulled my credit report and noticed an alleged debt ( collection ) from XXXX XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on XXXX and TransUnion. I sent a debt validation letter to the creditor requesting validation of the alleged debt through demanding a request for accounting, in accordance with the Uniform Commercial Code, UCC Article 9-210. They failed to provide me this, because they didnt provide me adequate validation since they didnt provide me with a record AUTHENTICATED as the law says ; so this reported information is not only invalidated but inaccurate and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX and TransUnion is participating in fraud with XXXX XXXX XXXX and violating the Fair Credit Reporting Act by willingly still reporting this invalidated and inaccurate information that still has not been deleted from my consumer report and I am willing to take legal action against both parties should this information continue to stay on my credit report.
Product: Debt collection

I received an alert on my credit report and noticed that there was a charge for collections for a service. I had no knowledge of. I reached out to verify my identity and they have not removed the charge. They just said the charge was valid I do not live at that location nor that city and I submitted documentation showing my identification and where Ive lived since XXXX and they still have not removed that collections from my credit report or my name. I have disputed with all 3 credit agencies and nothing has been done to remove it. 

XXXX - XXXX XXXX - XXXX Last reported XX/XX/XXXX {$720.00} Open balance XXXX XXXXXX/XX/XXXXOriginal creditor XX/XX/XXXX Opened XX/XX/XXXX ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX
Product: Credit card or prepaid card

GM MasterCard by Capital One. I 've been a customer since XX/XX/XXXX ( XXXX years ) and never had a late payment. It 's been all setup with autopay for many, many years. I have n't used the card in the last year, so when the {$39.00} annual fee was assessed I did n't know to lookout for it. 

Sometime in the past year, the bank switched their website. The card issuer 's change broke the link the autopay setup at my bank. So I never got a bill and of course could n't have paid it. Magically though, they reached me via paper mail to assess a punitive late fee and penalty. 

Today I tried to call and resolve. After a long hold, my request to have the penalty/fee removed was denied. I asked to speak with a supervisor and spent an hour on hold before being disconnected. I resorted to XXXX, where I got an immediate response. But after being strung along unprofessionally for hours ... the agent offered zero substantive help. Just generalizations about a bad technology weekend and that any fees would be rolled back. Not really paying attention to the story or even looking anything up. It was literally hours of wasted nothing. 

An entire evening of my life wasted. I do n't care about stupid {$50.00} so much as the principle. THEIR technology change caused this failure, not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has inaccurately reported late pays in my credit report while my status was in deferment. They fraudulently reported 3 late pays on my credit report while I was enrolled in school at the time and my loan status was in deferment. I have reached out to XXXX  by phone and by mail in order to resolve this issue. I even mailed in a goodwill letter asking them to forgive the late pays although it was inaccurately reported to begin with.
Product: Credit reporting or other personal consumer reports

Experian has given incorrect information and I had to freeze my credit report with them due to bad credit reporting. They have made no attempt to resolve the issue even after I had the situation escalated to superiors. I have no trust in their ability to report accurately credit information.
Product: Debt collection

I am a victim of identity theft Ive been locked out my accounts impersonated and they obtained loans and homes in my name.
Product: Mortgage

I have been having financial difficulties in paying my mortgage, the mortgagee is J.P. Morgan Chase. I applied for financial assistance in XXXX, 2024, and the morning after XXXX XXXX, XX/XX/year>, I received a call from my relationship manager, XXXX at Chase who told me I was denied financial assistance that I applied for. My loan is a XXXX XXXX  XXXX. I have my apartment for sale, its a condominium located in XXXX XXXX and there is plenty of equity in the apartment to pay off my mortgage. But Chase can offer no assistance whatsoever and indicated my investor will not allow it. I was transferred to XXXX supervisor, XXXX XXXX who told me it is imperative to make at least one payment immediately, and if not he couldnt guarantee that foreclosure proceedings will not be started. XXXX XXXX also said that if I dont make my payment by XX/XX/year>, a payment may no longer be accepted. In other words XXXX XXXX is attempting to extort a payment from me. 
I then realized that my mortgage payments as it stands at the moment are 90 days late. The law states that in order to start foreclosure proceedings, one must be 120 days late according to XXXX law. Finally after trying to convince me that still a payment is due immediately, XXXX XXXX stated if no payment is made by XX/XX/year>, I am technically in default. When I told him that even a colleague of his and I gave the name and date I spoke to her, XXXX XXXX explained to me how the 120 days are counted, XXXX XXXX struggled to explain himself. In other words XXXX and his colleague my relationship XXXX, XXXX disturbed my XXXX holiday to threaten me that if I dont make a payment by XX/XX/XXXX, I am risking that Chase will start foreclosure proceedings which is false according to XXXX XXXX because as of XX/XX/XXXX, I will be 90 days late since my first late payment was for the month of XXXX, 2024. I was told by Chase during the phone conversation that a letter was sent to me that to this day I havent received stating that I was denied mortgage assistance. XXXX XXXX also explained to me that chances are I would be approved for a deferment for about XXXX months until my apartment is sold, unfortunately not to be the case. 
And why Chase can not provide me with mortgage assistance they could not explain except to say the investor will not allow it. When I asked them if the investor was XXXX XXXX, they admitted to it. I was able to reach XXXX XXXX today, and XXXX XXXX told me that they do not make decisions for loan servicers. Therefore Chase lied to me about that too. This a horrible way to treat anyone, let alone a borrower who has made their payments on time for XXXX XXXX years.
Product: Credit card

On XX/XX/year>XXXX  I opened a XXXX charge card, thru Comenity bank. Their paperwork said " A Promotional Plan Transaction fee of 2 % may apply ... '' I asked about this and was told that since the amount was over {$1200.00} I wouldn't be charged this fee. 
My first statement just arrived with the 2 % fee of {$31.00}. I called Comenity and was told this fee can not be waived. The said it us a fee the bank charges when they open the account. I asked if it would apply to future purchases and the phone rep said it may not apply ( not won't ). I pushed him on this and he said it's a fee the bank charged and would be their decision. I got him to confirm he was employed by Comenity, not XXXX. When I said I wanted something in writing, he admitted the fee will apply to all future purchases. 
If I knew the 2 % fee applied, I wouldn't have opened this account. I would have used my XXXX card, which has 0 % thru XXXX.
Product: Mortgage

My home was badly damaged on XXXX, by hurricane Ian , which was declared a disaster area by FEMA.and I had to leave due to a flood, and part of my roof was blown off. FEMA put a tarp on, but advised me to leave due to mold and so dangerous conditions from electrical damage. My mortgage was paid in XXXX XXXX, but in the beginning of XX/XX/2022, I contacted Village Capital numerous times, and left many messages asking for a forbearance plan for a few months, as I couldn't live in the home. Meanwhile, I filled out papers to extend my forbearance, ( I had not received my insurance claim settlement yet ) and sent them to Village Capital. After telling me numerous times they had not received them, I was able to speak to someone who helped me fill out an application on the phone. After receiving another letter via snailmail asking for the same info., ( 3rd time ) I finally received the first 3 month forbearance. VC also has possesion of my homeowners check for 2 months and I need it to put a roof on. I requested it several times, and had to cancel the roofing repair 3 weeks ago because they did not release the check. They have also ruined my credit by reporting I was 4 months delinquent paying the mtg. The roofing co. was going to finance the work until I received the check, but due to the delinquency, they can not. They keep putting delinquent notices taped to my door, and my neighbor had to take them off, as there aremassive burglaries due to vacant homes. I asked I do them not to, but they keep taping them to my door, advertising no one is home. Can you please help me? Thank you so much.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
ACCOUNT NAME : XXXX  DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My issue is that Discover must report accurate information to the credit reporting agencies consistent with the Fair Credit Reporting Act. Over seven years ago, Discover charged off my {$6000.00} loan. Discover continues reporting late payment information to the credit reporting agencies, going so far as to remark the account 'closed ' and then 'opened ', over and over, which has negatively affected my credit reports. I recently received a credit alert that Discover reported information on my credit report. Discover reports monthly that I am either 30, 60, or 90 days late to the credit reporting agencies, in addition to continuously changing remarks. Discover should not be reporting negative information regarding my loan that was charged off over seven years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX. US DEPT ED AND USDOE/XXXX. I have contacted FTC and local police.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX Date of Birth : XX/XX/XXXXSS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX. Identity Theft XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

The company responded to my dispute stating that they provided the payment history that I requested on XXXX XXXX. This is inaccurate & I will attach screenshots of what this company actually sent. Missing from what was sent ( please view attached documents ) was no data provided for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. XX/XX/XXXX shows a payment of {$2200.00} & XX/XX/XXXX shows a {$100.00} payment! I NEED all of this information to verify the ACCURACY of this account as well as the payoff balance. Under the FCRA, Im entitled to complete, accurate & verifiable information. My rights to fair credit reporting are being violated. This company has very poor customer reviews & in fact are playing the same game with many other consumers. Lastly, this corrupt company is requesting from me, a complete, unabridged copy of MY credit report! I will NOT comply with this request! Every time I research their bookeeping errors & provide documentation, they change their story!
Product: Checking or savings account

I Have Around 8 Years With Us Bank, IN The Past 30 Days They Withdraw From One Of My Account The Amount Of {$900.00} From " Supposed To Be A Tax Levy From California " Causing A Big Overdraw On My Others 2 Accounts, They Took The Money With Out, Any Explanation, My Account Become XXXX Balance, Then 2 More Electronic Debits Came And I Make A Deposit Of XXXX Dollars To Cover This 2 Items After The Deposit As Been Clear, They Hold The Deposit With Out Any Warning For More That 2 Weeks Just To Keep Charging XXXX Dollars Every A Item Come, This Time After With Out A Excuse The Deposit As Been Made. The Manager Of The Us Bank In XXXX Idaho ( Lie ) And Explain Me Its No Way They Can Tract Who Took The Money Because They Said Not Have That Information, After 1 Month The Us Bank Send Me A Letter Saying Was Due To Tax Levy, Which In Reality ( The State Of California State They Do Not Have No Record Of Such Transaction ... Till This Day I Am Still Fighting This Issued And So Far Nothing As Been Done..
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom this may concern I have been writing, calling and crying about these so called late payments! I keep getting letters saying that its not my sending these request. I have sent my passport. my id, XXXX bill and my ssn card at this point someone can take my identity. I have asked all of the bureau 's and the department of education to provide proof of me ever being late. Please remove all late payments and change the payment status to current because of the Cares Act for my prior request has falling on death ear and this is a violation that no one seems to care about but me ...
Product: Money transfer, virtual currency, or money service

I purchased tickets through a seller on XXXX. His name is XXXX XXXX ( phone number XXXX ). He had me XXXX pay his wife XXXX XXXX ( phone number XXXX ) {$250.00} on XX/XX/2022. He claims he never got the funds. I felt like it might be a scam so I immediately contacted Chase and they could not stop the payment. They could only confirm that XXXX did get the funds. Chase said there is no way for me to get the money back. XXXX said he would send the money back, but now all communication with him has ended. I have filed reports with XXXX, fbi, and internet crime complaint center.
Product: Credit reporting or other personal consumer reports

I am writing to disagree with the previous results of the investigation I dispute the account listed below, which remains on my credit report despite your prior investigation. I request an immediate reinvestigation, as the inaccuracies are seriously impacting my credit score. 

Account Name : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, I request the names and business addresses of each individual involved in verifying this account. This information will allow me to follow up appropriately.

Additionally, please provide me with an updated copy of my credit report once the reinvestigation is complete. 

Thank you for your attention to this urgent matter.
Product: Debt collection

In XXXX of XXXX, I went to an urgent care clinic ( Primary Health ) After initial check in and observation the clinic urged me to go to an ER at the hospital. Which I did. I later received an attempt to collect a debt on lab work that was never performed. I called the clinic to get copies of the so-called lab work and they said they couldn't release the results to me. Only the billing. The debt collection agency also falsified the dates of when the visit took place. Saying it happened in XXXX of XXXX, which it did not. On top of it all, I never authorized this debt collection agency to obtain my protected health care information. They have my personal information along with specific lab tests I had taken, as well as the symptoms I was experiencing at the time. This is a clear violation of HIPAA. Also, they have given this information to the credit bureaus without my written consent. Collection agencies and credit bureaus are NOT covered entities when it comes to Protected health care information. Not to mention, In the state of Idaho it is past the statue of limitations to continue attempting to collect on this debt. This company is in violation of many laws and I want their practices looked into. I want this removed from my credit report. They are intentionally trying to damage my credit over a XXXX dollar bill that I DO NOT OWE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some accounts reported in my credit report that do not belong to me and I would like to remove it due toidentitytheft