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

I have been an victim of identity theft. I have filled a FTC report and and documentation of this to the XXXX credit bureaus. 

the credit bureaus are reporting accounts on my report that do not belong to me and also are showing inquiries that i did not authorize. 

In addition the credit bureaus are reporting inaccurate information that do not match across all XXXX bureaus. including the date the account was opened, the total amounts of the accounts, the last date the accounts were active. all of this information has been outlines and shown to the credit bureaus. 

the FCRA clearly states the all accurate information must be posted on the reporting from XXXX bureaus. 

not only are these accounts fraudulent and do not belong to me but they are also inaccurate and display conflicting information as it pertains to dates, and amounts. 

I have not been given any proof of my signature to authorize any of these accounts and i have not been provided information as to how these accounts have been verified the responses from the credit bureau are generic and automated. 

the accounts in question are : XXXX XXXX and XXXX XXXX fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The initial date i sent a letter requesting this information and provided my FTC documents about my identity theft situation was XXXX, a follow up was sent on XXXX and again on XXXX
Product: Money transfer, virtual currency, or money service

Step 1 : What is this complaint about? This complaint is about the customer service ( or lack thereof ) you I have been receiving from Coinbase during the last three weeks. I have been having two major problems with my account, yet have received no real help or assistance from Coinbase. Step 2 : What type of problem are you having? Problem 1 : As a Coinbase client you are able to purchase Bitcoins with having to pay a fee, if you first transfer your funds to XXXX  ( which belongs to Coinbase ). Therefore, I tried to open a XXXX account on XX/XX/XXXX and it did not work. I contacted customer support, informed them of my problem and since XX/XX/XXXX I have not heard back from them. Problem 2 : Given that this took so long, I decided to purchase Bitcoin through Coinbase directly, even though this meant paying a 1,5 % fee both when you buy and sell your position. So I tried to log into my Coinbase account and this did not work, either. To be more specific : The XXXX XXXX authorization did not work. I checked Coinbase 's instructions, followed them and it still did not work. I then contacted them again on XX/XX/XXXX and gave them a call a day later, in which I was hung up on only to then be told via email that this issue was being dealt with. Since then I did not hear from them. I still want to get in the market - after all my account holds my funds - and I would like to see this problem solved rather soon. Step 3 : What happened? See Step 2. Step 4 : What company is this complaint about? XXXX XXXX XXXX. Step 5 : Who are the people involved? I only have my customer service cases, which are # XXXX ( for problem # 1 )  and # XXXX ( for problem # 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 was contact by acima credit said pay {$610.00} and they would settle account and have remove from credit they didnt do it And instead reporting as {$170.00} charged off but account legally paid in full which is still causing to show like I owe them money and is in a negative state I spoke with them several times was hung up on or told they have no control over this but like I told the lady you ( acima ) are the ones sending in report also I was told this would be remover from my credit like I told her check your records and recordings because this is what I was told
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting XXXX XXXX  Account # 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 of consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only received a letter denying every account on my credit report. That's not true. I have several open accounts in good standing that I definitely don't want to deny are mine. Every account, even derogatory accounts that are mine, they're saying aren't. And they have not done anything. I paid off my cards and raised my score on my own. They did nothing. I was lied to. XX/XX/2020 I paid {$130.00} to start and {$89.00} a month. I stopped for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several attempts to resolve with company. Company failed to make contact with original party. Made contact with original Party and no return information within the 30 day response rule.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccuracies that I formally dispute. Please verify or remove the following : accounts with XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ), as I do not recognize or have any agreements with these entities. Additionally, I request the removal of unauthorized hard inquiries from XXXX XXXX ( XX/XX/year> ) and XXXX XXXX XXXX ( XX/XX/year> ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), I request an investigation and removal of unverifiable items within 30 days. Furthermore, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian for negligence, further underscoring the importance of ensuring the accuracy of consumer credit reports. Experian violates my rights as a consumer also making it practically impossible to purchase my first home or new vehicle. Can we please have this information removed immediately?
Product: Student loan

I was dealing with a financial crisis and I got into a bad situation but I made everything right by paying everything off and I was informed by doing so the creditors were going to update the 3 credit Bureau 's to " paid as agreed '' but they haven't yet and its hurting my financial future.
Product: Debt collection

XXXX XXXX XXXX Fm XXXX XXXX XXXX, Tx XXXX XX/XX/2022 FNB Omaha Subject : Notice of Dispute - Reporting Inaccurate Information to Credit Report I am writing to formally dispute the inaccurate information being reported by FNB Omaha to my credit report. It has come to my attention that you are reporting an alleged debt in the amount of {$12000.00}, even though the said debt has been fully paid in accordance with the provisions outlined in the Federal Trade Commission 's regulations, specifically 16 CFR 433.1, 433.2, and 433.3.

Allow me to provide a brief overview of each of the regulations : 1. 16 CFR 433.1 : This regulation establishes the rights and obligations of both the debtor and the creditor concerning the repayment of a debt. It emphasizes fair debt collection practices and aims to ensure accurate reporting of debts.

2. 16 CFR 433.2 : This regulation governs the validation of debts and outlines the requirements for a creditor to provide proof of a debt upon request from the debtor. It is crucial in establishing the validity of the alleged debt.

3. 16 CFR 433.3 : This regulation pertains to the disputing of debts and specifies the procedures that must be followed when a debtor contests the validity or accuracy of a debt. It underscores the debtor 's right to challenge the debt and seek its removal from their credit report.

Considering the regulations, I assert that the debt in question, as outlined in the contract, has been fulfilled and paid in full. The promissory note associated with this debt is a negotiable instrument that clearly indicates my obligation has been satisfied.

Therefore, I kindly request that you rectify the reporting of this debt on my credit report immediately. Specifically, I request that my account be updated to reflect it as " Paid in Full '' and " Paid as Agreed. '' Accurate and fair reporting of credit information is essential to maintain the integrity and accuracy of credit reports.

I trust that you will conduct a thorough investigation into this matter and take the necessary steps to update my credit report accordingly. Failure to address this dispute within the statutory time frame may result in legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ).

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the correction made to my credit report within 30 days from the receipt of this notice. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My XXXX yr old father was hospitalized then transferred to nursing home lockdown unit. I have been estranged from my father off and on due to his abusive behaviors. When he was hospitalized I was asked by my elder uncle, Hospice and the VA to help because I am next of kin. I have done everything needed with POA paperwork we had signed back in XX/XX/2022 until I needed access to his banking accounts at BofA. I started jumping their hoops XXXX weeks ago and explained the situation I am in. After several attempts at becoming POA on his account they told me my POA was invalid because family members signed as witnesses. They said I must get new POA even though they have paperwork saying he is incompetent and unable to sign. I got to work with his team at the nursing home and the VA and Hospice. They made it happen after questioning my father for competence of signing that document. I took that POA back to the bank and they questioned the validity of that POA because they knew he had been deemed cognitively impaired because of previous statements they received. Mined you this is an account with maybe {$2400.00}. I am a Gold member at this bank for whatever that means. I need access to help my father and they keep coming up with new reasons as to why I cant be POA and deal with my fathers finances putting him at risk of being on the streets as he is dying. After getting the last POA a legal document with pages 1-11 and pages 11 being notarized on page 11 for the whole document they said I must have witness signature notarized on page 10. I made it happen with notary that signed the original documents. They then denied it because the notary they asked for made the document invalid because it wasnt back dated. I need help please.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have A 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: Checking or savings account

I have opened an account with U.S Bank online and withdraw my retirement funds into this checking account and a few days after, U.S Bank decided to close my account out of nowhere and absolutely no reason whatsoever. I have contacted them several times and they failed to provide me a single reason as to why they decided to closed my account. And this happens while I am traveling outside of the country and relied on the funds on this account and it actually was the only reason that I made a withdraw to this account was because of having enough funds during my trip and I will be staying in XXXX for the next XXXX months. I was notified that the reason will be sent to my U.S Address and also they said they dont know how long the investigation takes and wont release my funds and when they do, they will send a check to my US address. This is not acceptable and I understand that they have a right to end the relationship for any reason, but they dont have a right to keep my funds especially when Im traveling and its very urgent for me to have access to my funds while Im traveling and they must immediately contact me and make sure I receive my funds in a timely matter by depositing my funds to my other account or any other possible way to make sure I will receive my funds immediately and completely.
Product: Mortgage

In late XXXX, requested loan to be put onto COVID CARES Act forbearance effective XX/XX/2021 due to financial impact in our household. As we were going to and had listed to the home for sale. We get notified in early XXXX of the account being reported late. Assuming this was an error or a delay in COVID processing, we called, restated that we were impacted and that we had also sold the home. They requested us to email them, which we did on XX/XX/2021. 

They are refusing to update the account to properly provide this account via the CARES Act protections, as now our account is fully paid and they do not want to backdate the protections and then update our credit reporting properly, as required by law. 

Here is a copy of my email to them on XX/XX/2021 also documenting my call on XX/XX/2021, since there is no documentation of my call in XXXX with them. 

XXXX XXXX : XXXX XX/XX/2021 - file completion XXXX Hi, I am writing after my phone call on XX/XX/2021 regarding my account and the credit delinquencies that are showing on our ( borrower and co-borrower ) credit with all three reporting agencies. 

As discussed, I, XXXX XXXX, the primary Borrower became financially impacted due to XXXX. This lead to a decision to list and sale the house, which closed on XX/XX/2021. However, when I called previously in XXXX, to let you know I had been financially impacted by XXXX, I also stopped my autopay payments, as I understood my account would be set up effective either XX/XX/2021 or XX/XX/2021 on a COVID CARES Act forbearance. This allowed me to retain the funds to do small repairs, etc. to list and ultimately sale my house, while going through this pandemic impacting my financial resources. 

Come to find out, both myself and my co-signer, who is also my father, XXXX XXXX XXXX, have had a 30 day roll reported, which drove me to call in on XX/XX/2021. Therefore, as requested, I am emailing to request that my account be setup on CARES Act effective XX/XX/2021 to remove the credit delinquencies from our credit reports, especially since my home closed on XX/XX/2021, and to report our loan current for all months. 

Your firm has always been great to work with and I am sure this is just an incidental oversight, given the impact the COVID pandemic has had on our world and those like us, struggling to get beyond this pandemic, driving unprecedented volumes into your call centers. 

Thank you for all youve done to service my loan and thank you in advance for getting our credit back to current to reduce a new 7 year impact on our credit at time, when financial stress is already high. 

Please let us know if you have any additional questions.
Product: Debt collection

Nearly XXXX years ago, while I was employed and insured by XXXX, I went to XXXX XXXX ER for food poisoning. I was never contacted about an unpaid bill. Only recently did I learn of an outstanding bill. This bill should have been the responsibility of my employer, as I had full medical coverage. I 'm no longer employed with XXXX, I was unaware of this debt, and it is now negatively effecting my credit. Had I been aware of the unpaid bill, it would have been paid years ago and my credit would not be suffering negative impacts.
Product: Debt collection

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX   Address of creditor/collection agency Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I owe {$400.00} on a {$300.00}, account and it is in collections. After being sold 5 different times This is a formal notice that your erroneous claim ( s ) is/are now disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX ) Your current address XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted Early Warning Systems several times to send me my consumer report. I have mailed out requests and requested it via email and fax. They have not responded. I am requesting my consumer report from them as per the FCRA. I have attached my mailing address which is XXXX XXXX XXXX XXXX PA XXXX. I have attached documentaion verifying my ID and my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus ( XXXX XXXX and Equifax ) have been provided Satisfaction Letters with regard to a creditor 's tradeline ( XXXX XXXX XXXX XXXX ) yet they refuse to update the tradeline to accurately reflect " paid in settlement. The original credit grantor ( XXXX XXXX  ) has referred to me the assignee ( XXXX XXXX XXXX ) and XXXX XXXX has referred me to their debt collector XXXX XXXX XXXX XXXX to correct the problem who in turn redirected me back to XXXX XXXX XXXX. A letter will be forwarded to all parties today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested XXXX  XXXX XXXX to dispute the negative, derogatory past history on my account being that the account is current and any issues were satisfied. However they refuse to do so.
Product: Credit card or prepaid card

Please see the attached supporting documentation. 

You will see all of the communications between me and the merchant. The parent company is named XXXX. They also do business under " XXXX XXXX '' and " XXXX. They provide skip tracing batch services. 

I am supposed to be able to send them a company name along with the last known city and address and with that information they are supposed to provide me with XXXX CORPORATE OFFICERS! but they have only provided me with ONE. 

I did not receive the services that I paid for and my mail campaign is useless. 

I am disputing this charge along with 2 other charges on my account ( {$300.00}, {$540.00} and {$1000.00} ). They have never provided the information that I paid for. From the very beginning of our business relationship they have never got my billing correct. I have no idea what they are even charging me. I am supposed to be charged {$700.00} per month for the services and every month I have been over charged.That is why I received refunds of {$380.00} and {$360.00} on XX/XX/XXXX. Theyrefunded me for overcharges. I want to make clear that I have no idea what these charges are. They just make them up and run it on my card. 

Because of their failure to provide the services I have requested termination of our business relationship and blocked future charges. They keep trying to run charges though. Some have been denied but they continue to try. 

I requested that you refund these charges as soon as possible.I have not received any provisional credit. 

I was told I would be sent documentation for all 3 claims.. To date I have only received : Case ID # XXXX ( {$540.00} ) on XXXX XXXX. 
Case ID # XXXX ( {$300.00} ) on XX/XX/XXXX I have not received any documentation for Case ID # XXXX {$1000.00} so that I can dispute it. 

This is a business card in the name of XXXXXXXX XXXX XXXX of which I am the sole officer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. 

XXXX XXXX : XXXX : {$980.00}
Product: Debt collection

I received a copy of my credit reports and see that Credit Recovery Associates is reporting that {$1200.00} is owed to them. After multiple attempts to get debt validation, I have not received a response from Credit Recovery Associates. I asked for them to validate the following : 1. Who was the original creditor on this account and what was the account number.? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.
3. Please provide me documentation that indicates that I agreed to pay them this sum of money.
4. What was the original date of delinquency for this account?
5. Agreement that grants Credit Recovery Associates the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did Credit Recovery Associates pay for this account, and how did you calculate the current amount owed?
I required compliance with the terms and conditions of my letter within 30 days of their receipt or a complete removal from my credit reports.