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

This address, XXXX XXXX XXXX XXXX XXXX GA XXXX, does not belong on my credit report. I originally disputed this information with both Transunion and XXXX. The original FTC is # XXXX and this was filed XX/XX/21. The original CFPB is # XXXX for XXXX and # XXXX for Transunion. The address still appears on my credit report and should be removed immediately. This is a fraudulent infomation on my credit report. I never received any documents or response from the first complaint. It only asked for additional time. I never received information about the dispute via email or mail. This is a violation of the consumer protection laws. Any items used to verify a dispute must be sent to the consumer. These documents were never sent. The original files are attached.
Product: Credit reporting or other personal consumer reports

Subject formal complaint Regarding Late Payment Reporting, of account number : XXXX for my credit mortgage of the company XXXX Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Name de company : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of reported late payment : XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 1261 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: Mortgage

On XXXX XXXX, XXXX Stearns Lending ( my home mortgage company, loan number XXXX ) sent me a confirmation email that my regular mortgage payment had been received and processed. I had sent a check in the amount of XXXX to them. The regular mortgage payment was {$970.00} and {$1000.00} was to be applied to the principal balance. The check was sent through the mail along with the payment coupon showing how the payment was to be applied. Stearns Lending cashed the check for only {$970.00}. I sent an email to their loan care department along with a copy of the cancelled check showing that only {$970.00} was taken out of my account. I received an email from them on XXXX XXXX confirming receipt of the email along with a ticket number ( XXXX ) investigating the issue. I did not hear from them again until XXXX XXXX when Stearns sent me an email saying the issue was resolved and the ticket closed. I called them to ask what was the resolution. The agent did not have a resolution in her documentation but said they would go my bank, XXXX, and pull the funds out. I called XXXX and pointed out that the check had not been cashed for the amount written. On XXXX XXXX XXXX debited my account for the additional {$1000.00} and sent the money to Stearns. I kept checking my Stearns account to verify the money had been applied to the principal of my mortgage. On XXXX XXXX when it still had not been applied, I called Stearns. I spoke to agent # XXXX who told me that I needed to get a " transmittal form '' from XXXX to prove that the money had been sent. XXXX tells me that I need to come into the bank in person to get that. I will do so in the next couple of days. In the meantime, the {$1000.00} has not been applied against my principal and my account is accruing interest that it would not be accruing if the principal had been reduced by the amount I paid at the end of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 reporting companies asking them to investigate the bankruptcy that's reporting. ACCORDING TO 15 USC 1681i INVESTIGATION HAS TO BE CONDUCTED WITHIN 30 DAYS WITH THE COMPLETED RESULTS. THEY HAVE YET TO RECORD THE DISPUTED INFORMATION AS WELL, THATS ANOTHER FORM OF VIOLATION.
Product: Credit reporting or other personal consumer reports

I received a copy of my XXXX XXXX and XXXX XXXX XXXX consumer report and I've noticed false and misleading information from Bank that I've committed allege fraud. On behalf of disputing the inaccurate information with XXXX XXXX and XXXX XXXX XXXX they have concluded that the information within my file has been investigated and was indeed verified as accurate by BANK OF AMERICA. Both corporations have also confirmed that they are unable to provide me with copies of documentation of proof on how the information is accurate and verified in my file for checking account fraud that is being furnished to them by Bank Of America. On XX/XX/2023 I've sent certified mail with return receipt, Tracking number is XXXX. I am yet to hear a respond and the investigation and any proof supporting their claim of the allege fraud. This is causing me great stress and defamation of my character. I have attached two letters supporting my case for this specific situation to get resolved.
Product: Checking or savings account

I was treated very poorly by wells Fargo in XXXX XXXX florida on XXXX a number of times. I had XXXX  transactions I did not authorized that they would not reimburse for {$500.00}, {$750.00}, {$1500.00}, and more. Several charges went thru my account without my authorization, even after changing my card numbers. When I went to withdraw funds my account was closed. I had been working on a XXXX & was dirty and had a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so the teller acted like I was a bump and denied me. Then had my account investigated and closed. I never received any of the transactions back that I questioned from XXXX or the other companies. It was jsut an awful experience. I no longer trust banks. Oh and my data was leaked. And someone tried to take out loans in my name. I only stopped it because of my own vigilance. Wells Fargo doesn't just owe me money, they owe me an apology times 10.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights, original creditor was XXXX XXXX XXXX XXXX 
I am not liable for this debt with XXXX XXXX XXXX Account # XXXX The Account was previously charged off. The Account originated on XX/XX/XXXX with XXXX, XXXX. The last payment in the amount of {$67.00} was received on XX/XX/XXXX. The Account charged off on XX/XX/XXXX with a balance of $ XXXXHas 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit card or prepaid card

I have tried to get an increase for a credit limit with Capital One Credit Card. I applied and was denied due as they claim that I had too many inquiries with XXXX. I had checked my credit reports with XXXX and XXXX since I know these are the two agencies that Capital One uses. Therefore, when I got this letter back stating this fact I immediately call XXXX to inquire about this information that I had just got back from Capital One stating that I had too many inquiries on my report. The XXXX CSR stated that they did not see any inquiries at the time on my report to state what Capital One had sent me. I then called Capital One back they gave me the runaround and even asked for a copy of that XXXX  report they refused to send me anything. But of course, this was upsetting because now as a consumer I did not know who was lying. Was it XXXX or Capital One that lying to me, but on XXXX, I could clearly see for myself there were no inquiries on my report which lead me to believe that it was Capital One who was given false information to me. Even one of the Capital One CSR ask me if my letter said XXXX, I told her no It says XXXX. True enough if they would have said due to late payments I would have been okay, but to say because there are too many inquiries is not going to get it with me. I have gone as far as seeking an attorney and they were still uncooperative them. 
I would greatly appreciate it if someone could look into this for me please and let me know as a consumer what I may need to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX. I saw several of those inquires as well and I did not tell them to pull my credit please remove from my credit 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 have contacted the FTC and the police.
Product: Student loan

I spoke on the phone with Navient about repayment options. They said I could have a forebearance. I asked if that would affect my interest rate and they said not as long as I began repayments on time when the forebearance ends. I have had a fixed interest rate of 1.75 % ( 2 % with 0.25 % benefit for automatic payments ) for at least 10 years and since I consolidated the loan when it was with XXXX. It has since been sold on a few times. Now Navient has raised the interest rate by 1 %, claiming that was a benefit and that when they read me the XXXX and XXXX it said I may forfeit " certain benefits '' of on-time repayment. It was never made clear that I had that 1 % as a benefit, nor that I would lose it. I asked multiple times to ensure my interest rate would stay the same, since it is quite low.
Product: Credit reporting or other personal consumer reports

Every time I dispute for inaccurate information it comes back verified but they have yet to produce the information that is proof of verification. Consumer risk solutions companies can not even verify my identity so how can they said the info is correct?
Product: Debt collection

Both my husband and I went through a financial crisis due to a XXXX XXXX he had more than 10 years ago. We were unable to pay our credit card debt and it went into collection. We had 3 credit card through XXXX XXXX, 1 through XXXX and 1 through XXXX ... 5 total. We hit the 10-year Mark since the debt last year. In XXXX we received five 1099 notices advising that the debt had been charged off and we were required to submit it as regular income on our tax returns. Which we did. It's my understanding that they can no longer try to collect that debt once it's been written off AND they have 1099d that debt requiring us to claim it as regular income as a result of bad debt. However all five cards had been assigned to XXXX like 7 or 8 years ago. Again the debt has already been charged off and we claimed it as regular income as a result of bad debt on our 2019 tax return veripro continues to call us. I don't understand how they are able to continue to collect on it when both of those other actions have already taken place. Let 's say we were able to come up with the money to pay them, it would not be fair to us as the consumer to have already claimed it as regular income and then also pay them. We are then being double hit for the debt. We don't have the money to pay them but I don't understand why they are allowed to still call us when the debt has been written off and we claimed it on our tax returns as a result of them 1099ing us all five cards. Please advise how we can get them to stop calling us. Because we each at least five calls per day from these people.
Product: Money transfer, virtual currency, or money service

I have a Coinbase account, username XXXX XXXX with the email of XXXX, through which I hold and use a Coinbase debit card. The card is issued by XXXX. Users are instructed to not contact XXXX directly for any issues and are to contact Coinbase support only for any issues. 

On Saturday XX/XX/XXXX that card 's information was stolen and used for two fraudulent transactions. 

Transaction # 1 was made at XXXX EDT at XXXX XXXX XXXX for the amount of {$120.00}. 

Transaction # 2 was made at XXXX EDT at XXXX XXXX XXXX for the amount of {$100.00}. 

Transaction # 1 dropped my available balance below what was needed for transaction # 2, so transaction # 1 went through but transaction # 2 did not. 

Upon being made aware of these transactions I called Coinbase Card support at XXXX at XXXX EDT on the same date. 

It took me a little over 12 minutes to get Case # XXXX opened and was told that my account issues would be rectified within 10 business days. I received an email at XXXX EDT confirming that my case had been opened. 

The following morning of Sunday XX/XX/XXXX at XXXX EDT I provided screen shots via the email thread showing the two fraudulent transactions. I then received an email that stated my case was being worked by a specialist later that afternoon.

I have received no further response from Coinbase support and my account has yet to be reimbursed or have the transactions stricken from it. 

I have sent a total of 9 follow up emails requesting updates along with reaching out to Coinbase support via XXXX under the user name of XXXX. All subsequent emails have never been answered and all posts on XXXX have been responded to by Coinbase stating that someone will reach out to me shortly, which has yet to happen. 

The only emails that I have received from Coinbase since Sunday XX/XX/XXXX and the time of this writing have been promotional emails and emails confirming me removing my assets from my account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : account name and account numbeXXXX 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
Product: Vehicle loan or lease

Prestige financial approved me for a car loan only to discriminate against me and deny me three days later. Thats a clear violation of equal credit opportunity and FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an additional name on my report from Transunion that isn't me.
Product: Checking or savings account

I opened a XXXX XXXX XXXX account in XX/XX/XXXX. The account came with a promo code which I applied. The promo code is XXXX. The promotion that came with the promo code was for {$200.00} if I deposit {$10000.00} or more by XXXX XXXX, 2017. I met those terms. XXXX XXXX XXXX will not issue the {$200.00} that I am owed now. I want my {$200.00} as I have met the terms of the bonus and have waited a substantial amount of time.
Product: Credit reporting or other personal consumer reports

Sent in disputes for incorrect information on my report and they have not corrected the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company which is XXXX XXXX XXXX account number XXXX used my credit to report improper information to report information to the credit bureau in the amount of {$2700.00}
Product: Credit card or prepaid card

Applied for a Bank of the West credit card. Got approved for a XXXX credit card. I had a pay no interest balance transfer offer that I decided to use to transfer the balance of two other credit cards ( XXXX, XXXX ). Bank of the West processed the balance transfers on XX/XX/XXXX. I waited a week for things to settle. It has been more than a week and upon checking and calling XXXX and XXXX they say they dont know anything a balance transfer and I still owe them the money. Bank of the west created a new debt without paying my other creditors first. I believe that until the transferred gets approved and paid off they shouldnt be charging interest or running time on their promotional offers. I talk to customer service they say they agree with me but they just work there and that it is common practice of them to do that. I dont understand how the bank is allowed to do this kind of things to people. Sound simple. Dont charge people interest or run time on promotions if you have not even paid off or transferred the balance. As a consumer I feel like
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Equifax and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and XXXX are XXXX to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it againXXXX XXXX  XXXX Balance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX, IL XX/XX/XXXX
Product: Debt collection

I went for a drug test for a job and a physical and it was suppose to be paid by my employer so Im not understanding why this is on my account
Product: Credit reporting or other personal consumer reports

There are XXXX fraudulent inquires on my credit report : XXXX XXXX Inquiry - XX/XX/year> XXXX XXXX Inquiry - XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/XXXX. I went through the approval process, and I was approved on XX/XX/XXXX with a " Guaranteed of funds '' to the mortgage company. On XX/XX/XXXX, I received an email to bring my balance below {$65000.00} to have them pay the mortgage company. That was completed and proof was sent on XX/XX/XXXX. On XX/XX/XXXX, i received an email with a denial due to no deliquency. I called the homeowners assistance program to get further information and they advise me to call the mortgage company as the mortgage company had sent them information that I was no longer delinquent. I have had a balance since XXXX, I do not understand why they would claim that I am not delinquent. I have contacted the mortgage company multiple times and they claim to email the department that handles those requests and I have spoken to supervisors in regard to it as well and no resolution has been reached. They do not have any updates for me. Case # XXXX ( Homeowner assistance program ) Freedom Mortgage is my mortgage company.